BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
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: Problem with personal statement of dispute

Complaint:
In the state of Texas tenants have a LEGAL RIGHT TO EXIT A LEASE AGREEMENT WHEN THEIR IS XXXX XXXX 

ADDITIONALLY, WHEN THE LOCKS HAVE BEEN CHANGED AND A TENANT DOES NOT HAVE ACCESS. 
I fell under both categories and provided evidence to Experian. They did not properly invest the issue or consider all if the evidence that I provided to them. 

I have submitted proof to Experian for them to review, yet they failed to remove the file from my credit report. 

XXXX. This debt should not be on my credit file. I was a victim of XXXX XXXXXXXX which legally entitled me to be removed from the lease. 
Upon checking my credit report in XXXX or XXXX of XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and XXXX several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted XXXX concerning this issue was XX/XX/XXXX. 
XXXX. I have police records reporting XXXX XXXX, and that I had no access to the apartment. I also submitted the the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
Experian to correct this issue as they are not helping to uphold the law. I would like this to be removed from my credit file immediately and I would like all harassing phone calls from XXXX to cease. I would like for them to contact the person who was living on the property at the time, which was my ex-husband XXXX XXXX, to pay this debt. 

XXXX. Additionally the locks were changed at the apartment that I was previously living at : XXXX XXXX XXXX XXXX XXXX XXXX. I had no access to the apartment. Only XXXX XXXX and the manager at XXXX XXXX XXXX had access. I have reported this issue to the district manager of XXXX XXXX XXXX to no avail. I have also reported these details to the collection agency who also refuses to honor this portion of the law. 

I have submitted police records of XXXX calls that were made which document XXXX XXXX and that the locks were changed. I have also submitted proof of my divorce as well as the lease to the apartment that I moved into for

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 2021-11-30
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had asked for the CFPB help me in gathering supporting documents from CKS PRIME INVESTMENTS of this alleged debt. I haven't received any documents from this company only letters from the XXXX credit bureaus ( XXXX, XXXX and XXXX ) stating that this account was verified. How can CKS PRIME INVESTMENTS and the credit bureaus verify not validate this alleged debt when. This company ( CKS PRIME INVESTMENTS ) has another company ( XXXX ) attempting to collect this alleged debt on their behalf. I received a letter by mail state such action 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 2018-03-02
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with checkngo. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute to XXXX Bank on or about XX/XX/2022, concerning a partial refund of {$1000.00} from XXXX because the refund did not post to my account. As of today, I have contacted Comenity Bank numerous times, but I have not received a clear status update or explanation from them. They indicated that it can take up to 90 days for a dispute to get resolved and it is now well beyond 90 days. This is not the first issue I have had with Commenity Bank related to this credit card, but rather this is the 4th or 5th issue that i have had with them in 2022. Eith respect to the refund, XXXX confirmed to me in writing that the refund was successfully processed and accepted by the Commenity Bank on XX/XX/2022. XXXX provided me the following trace number for the refund transaction : XXXX. XXXX also provided with a receipt, showing the refund amount and confirming it was refunded to my XXXX 's XXXX XXXX XXXX XXXX ending in XXXX. I provided the written confirmation from XXXX, the XXXX receipt and the trace number to Comenity Bank. My card ending in XXXX was closed in XX/XX/2022 due to an unrelated fraud incident. I am extremely frustrated and annoyed that this has not been resolved in well over 90 days and by the lack of communication from Comenity Bank. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with the mortgage company Ocwen on XXXX and I 've noticed that they have added $ XXXXdollars on to my mortgage calling it an unpaid principal. I questioned them about it and I was told it was in the modification and I signed it so that 's that. My mortgage went from {$160000.00}. to {$250000.00}, I did not take out a second mortgage or anything like that. I ca n't believe this is legal. I have spoken with several account managers with Ocwen asking them to explain to me how their company added {$100000.00}. dollars to my account when the modification was supposed to be designed to help me. This has been a nightmare and now they have filed foreclosure.

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 2023-03-02
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection letter from ONLINE information services regarding an account opened in XXXX not paid with XXXX XXXX Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One Bank account # XXXX was Opened XX/XX/2007 with a Credit Limit of {$3000.00} this account is over 10 years old and Capital One still report to my credit. Please stop reporting this account to my credit report, account too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After I bought my house, I remodeled it my self. I then built a big shed on my property ... .. all improvements have been done by me. My mortgage has been sold 3 times since I took it out. Now I have major hail damage, and want to fix it myself. The mortgage company tells me I have to hire a third party to do the repairs. They said the only way this works is I sign the check over to them, and they will determine who gets paid for doing repairs, and how much ... ... this company has a XXXX rating of XXXX and there are many complaints to them not paying bills in a timely fashion when submitted to them. I still hold the insurance check, what are my legal options?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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 am chase bank customer. I called their mortgage lender advisor XXXX XXXX to ask question about home affordability. He said that is busy for the moment and if possible to email him me tax returns so he can take a look at my income. 
2 days later I was surprised with my credit pull alert.

I called this guy asked him why did you pull my credit without signed or submitted application or even a verbal consent to do so? He got no straight answer and finally hanged up the phone.

After I called the escalation team department, they failed to provide any proof of documentation or paperwork or audio recordings that I gave them permission to pull my credit.

I never confirm my identity or my SSN with him on the phone and I never provided any proof of ID to his email or anything of this nature.

The only reason I sent him my tax return is to view my income not to get my social security number from it and run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, P.A Attorneys and Counselors at Law continued to contact me after I have already notified them that I do not owe the ANY alleged debts and I have sent them a Notarized Cease and Desist repeatedly. 

Date : XX/XX/2021 Amount : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX  account number # XXXX Equifax XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXXBalance Owed : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2020-07-29
Company: EQUITY HOME LENDERS, INC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I thought I closed my mortgage with Equity Home Lenders ( EHL ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX ( XXXX ) XXXX on or about XX/XX/2018 and I recently found in a credit check of myself, that they did not cancel the loan to avoid paying closing cost with the local XXXX XXXX Court ( XXXX ) until they had too. I found this out from my current mortgage holder XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX ( XXXX ) XXXX who knew that EHL did not cancel my loan and withheld this information from me. 

The failure of both these companies EHL and XXXX has cost me financial and personal damages past and present. Presently, I was attempting a refinance loan to make renovations to my home, as my son is XXXX  and out of school due to the pandemic. He can easily injure himself and me, as I am in a XXXX XXXX  and I injure myself trying to aid him daily. 

I have attempted to reason with EHL and XXXX, but both seem mute to why I need have my original loan cancelled. They said they would make the changes asap, but weeks later I still have not seen any changes. 

I would like for your office to investigate EHL and XXXX  inability to reason and have them make the changes to the record. Investigate my files and all lenders past and present to determine how long they have been violating the lender laws. EHL has not refunded my overpayment of {$410.00} that I made several years ago and reminded them on or about XX/XX/2018. 

I can supply your documents via email upon request from your office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Long story short : I have a second hand XXXX XXXX XXXX that is been finance with Capital One Auto Loan.. 
XX/XX/XXXX of XXXX round XXXX I was on a Highway, Car enter into Limp mode, engine light start blinking and car didn't move more than XXXX, I almost cause a accident with a car behind of me... End up calling a a tow company to bring car home and contacted XXXX XXXX immediately the next morning and learn about this car have multiple Recalls but the most important is that XXXX have already a Lawsuit in place and Settlement due the fact this is going on and on, on a daily basis with XXXX XXXX and XXXX XXXX XXXX 

Here is the Link to the Settlement : XXXX XXXX XXXX 

Well I also immediately contacted Capital One Auto Finance and inform me about the situation and they stated their only concern is to get paid monthly for this car loan. 

After struggling for almost 2 weeks Finally XXXX XXXX XXXX in Fair Lawn XXXX XXXX  took the car in on the XXXX of XX/XX/XXXX and few days Later they send a video diagnose of the car stating clearly the same problem of the XXXX settlement with this car and that the engine need to be replace immediately. I learn this can take weeks and or 2-3 months before they can replace this engine due the long wait for new engines for other cars with the same problem.. 

I have been renting a car out of my own pocket due the fact that XXXX XXXX doesn't have car for loaner and they stated that per the settlement only after the car is repair/engine change I can go ahead and summit the rent a car receipts for a reimbursement as well the tow reimburse. 

I CONTACTED CAPITAL ONE AUTO LOAN IMEDIATELY AND THE INFORME ONCE AGAIN THEY ONLY CAR ABOUT MY PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Self Financial 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 information incorrect

Complaint:
On XX/XX/XXXX, I opened up an account which shows on my credit report as SBNASELFNRD to be reported for one year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the one year period. After one year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as SELFINC/LEAD ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email Self Financial and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Hello,

Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice.

Their Acct # for me is XXXX
Their phone # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Personal information incorrect

Complaint:
I have tried to correct this false information that is being reported as mine by this company twice on XX/XX/2023 twice on XX/XX/2023 one on XX/XX/2023. This company has failed multiple times to remove the incorrect addresses listed on my credit file. This company has failed me as a private consumer and continues to report false and damaging information on my credit file. I have sent letters to this company I have called this company and I have submitted several complaints about this company through this website and minimal action has been taken to protect me a a private consumer or to correct to false information on my credit report. If this company fails to address this issue again I believe I will have no other choice but to take legal action against them to protect myself.

Company response to consumer: Closed with explanation