BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: EOS Holdings, Inc.
State: VA
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:
On XX/XX/XXXX, I spoke with a EOS representative over the phone and agreed to pay {$340.00} to settle the debt. I inquired and was advised that the account would be updated and removed from all credit agencies that same day, however, it could take up to 30 days for all credit bureaus to update on their end. I received a letter via email which instructed me to pay {$340.00} on that day. I made the payment by credit card and did not think about this again. Approximately a month or so later, I checked my credit report, and noticed the account was still listed- however it stated " closed, settled less than full. I disputed this with the credit bureaus and was advised that the company had informed them that the account would continue to be listed until XX/XX/XXXX. Then I reviewed my credit card statement and noticed that I was charged more than the {$340.00} that was stated in the settlement letter. I was charged {$340.00}. In an effort to resolve this, I contacted the business by telephone at the end of XX/XX/XXXX and was advised that the additional amount charged was for using a credit card ( please note that I had no other choice but to pay with a card as I had to make a payment that day ). Furthermore, they claimed that the credit bureaus had been updated and disconnected the phone. On XX/XX/XXXX, I submitted in writing an extensive letter, again to correct this situation. I sent the letter via certified mail and requested that they contact me via certified mail ( for verification purposes in the event the matter goes to court ). In the letter I explained the situation and requested that they fix this. To this day, I have never received any response from the business. On XX/XX/XXXX, I submitted a complaint via the Better Business Bureau. I provided evidence regarding my allegations, however was unsuccessful. Please note, no evidence was provided by the business. On XX/XX/XXXX, BBB closed interest in the case as the business was not amenable to any changes. Please be advised that this business has reported my last name incorrectly to the credit bureaus. I have attempted to correct this with the company, to no avail. I am requesting that the business immediately remove all accounts from all credit reporting bureaus immediately and update my name with the credit bureaus. Please be advised that I have been denied a mortgage loan due to illegal practices by this business. I am requesting this company be investigated immediately and held accountable for their actions, so that other consumers are not targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: IL
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 WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.

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 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through Capital One, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: IL
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 WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF EQUIFAX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2,  HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen has made numerous errors while servicing my loan Ocwen included my wife who has never been a part of my loan. 
Ocwen out of the error proposed a loan modification and in doing so I made three trial payment of {$2500.00} each Total of {$7500.00} The loan went from Ocwen to PHH ; same lender PHH refunded {$1500.00} of the {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2019, I received several credit alerts that a company by the name of SyncB had pulled my credit report. I immediately knew it was synchrony bank due to this same issue last year. I was told that the credit bureaus are reporting inaccurate information, contact them. I asked to be transferred and was disconnected. The credit bureaus are advising to contact synchrony in an ongoing life circle. This is the third unauthorized or warranted inquiry that's been placed on my report in the past 12 months from synchrony that I can't get removed. After numerous dead end attempts, I want all of them gone asap.

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 2018-09-05
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been recently diagnosed with XXXX XXXX, I called XXXX XXXX customer service explaining to them that I will have XXXX and XXXX. I asked if there was anyway if we can lower my payments, since my cosigner is already paying all the household bills. I asked to speak with a manager when customer service said they couldn't help me, they then replied that they couldn't find a manager on hand and that I will receive a call. I still haven't received a call from anyone. I cried twice, first when I was diagnosed and when XXXX XXXX said they couldn't do anything for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Resurgent Capital Services is engaging in said violations of latter federal statutes. Resurgent Capital Services did not provide within 30 days of their notice of alleged debts which apparently goes back several years, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
For over a decade, my husband and I have been trying to eliminate a predatory HELOC. This predatory HELOC is an adjustable-rate, interest only loan, and over the years payments due have varied from about {$200.00} to over {$700.00} each month. The monthly amount demanded by the current loan servicer, First Citizens Bank, is currently {$590.00} on a balance of about {$31000.00}. 
Since the monthly amount due varies ( increases ), it is difficult to budget for this loan and even more difficult to continue making payments. 
After falling behind on payments, we appealed to First Citizens Bank for a loan modification. We also tried to enlist the services of a homeowner advocate agency to act on our behalf. First Citizens Bank refused to work with that advocacy agency. 
Once we submitted a hardship letter, and over 50 pages of personal financial data, First Citizens Bank made the following offer : A payment of {$590.00} due XX/XX/2019, with payments of {$1000.00} due each month for the next six months. 
The terms offered by First Citizens Bank do not help our situation and will actually make our situation worse! 
First Citizens Bank argues that because the monthly payment they demand is a relatively small percentage of our household income, we do not qualify for relief from this predatory loan. While our income may be higher than that of some Americans, we, like many Americans, struggle with debt. Although we are nearly XXXX years old, we are still repaying student loan debt. We have several thousand dollars of credit card and personal loan debt. And of course the added debt of this interest-only adjustable-rate HELOC. These debts were NOT incurred through travel or luxury. They are the result of home repairs, car repairs, medical bills, and vet bills. Regarding our home and our standard of living. Our home is falling into disrepair and we have been unable to afford a little getaway type vacation in well over ten years.

In truth, this predatory loan has been for us, a decade-plus nightmare comparable to having a XXXX XXXX. We are simply seeking the peace of mind that we will be able to stay in our home. 
Our home is, by far, our single biggest financial asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: William D. Meeker Enterprises, Inc.
State: MS
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/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Total Card, 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 information incorrect

Complaint:
I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.

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 2020-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX of 2020, I filed a claim with Bank of America about the scam using XXXX to send {$190.00} for a product but I never recieved. They denied my claim and took back credit, they refused to do further research. I contacted XXXX  countless times but they refused to help. Please help me to bring justice

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 2017-10-11
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:
I recently discovered that XXXX XXXX XXXX XXXX ran an unauthorized report on me on XX/XX/XXXX. I mailed a certified letter to the above mentioned company, and requested that they remove the inquiry placed on my credit report by there company. I did not authorize such inquiry. They did not have permissible purpose to pull my credit report hence invaded my rights to privacy.
On XX/XX/XXXX, I received a letter from the above mentioned company stating " No action will be taken to remove the inquiry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Immediate Credit Recovery
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am currently working with Immediate credit recovery to resolve a student loan of about {$2000.00}. We have worked out a payment plan that I have agreed to as them and signed off on. And stated making payments on. Today at about XXXX on XX/XX/19 they called the XXXX and to my XXXX. From XXXX The secretary did transfer to my work phone ( she didn't know any better ). I tolled them not to call me at work. I am a XXXX  and work at a XXXX. A miss XXXX XXXX was the rep from ICR.  She initially presented her self as security or something like that We talked for a few minutes about the loan and that I and making payments on this. We have scheduled payments of {$15.00} to come out of my bank account on the XXXX of every month to start rehabbing this loan. I did remind her about me not wanting to be called at work. Her tone was harassing and threating. I did inform her that I would be making a complaint that it was illegal to call someone at work if they said not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through XXXX XXXX, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points

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 2018-01-12
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX at XXXX XXXX I created an account using XXXX XXXX. 

I have tried contacting support via email and via phone and i get no response or any resolutions. I would like to have my account verified so that I can purchase bitcoin. 

XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response Welcome back! We are in the process of verifying your identity. Thank you for your patience.XX/XX/XXXX at XXXX XXXX - No response again. 

Today XX/XX/XXXX Welcome back! We are in the process of verifying your identity. Thank you for your patience.an hour ago - still no response or any progress in verifying my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: First Data Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife has an account on her report that she had some issues with and returns, however I am not associated with that! I was denied check writing privileges under my name, my social, my dl because they say her being a authorized signer on my bank account hurts me writing a check!!! that is completely false, I had no connection with the account she had issues with and I should not be punished when I personally write a check whether she is on that account or not, she is not writing the check, I am under my personal information. to associate us together and punish me for using my personal information to write a check is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I have been disputing several items on my report numerous times. Every time they come back they tell me that the information is accurate but they show me no proof. The tax liens on my report they will not remove and the other charges when I have told them that it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

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 2017-10-11
Company: Experian Information Solutions Inc.
State: IN
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:
As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XX/XX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XX/XX/XXXX for {$260.00}. Credit report does n't show payment status for XX/XX/XXXX nor correct balance for XX/XX/XXXX. Billing statement does not show payment on 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 non-monetary relief