BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was fraudulently opened in my name on XX/XX/2019 by XXXX XXXX XXXX XXXX Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

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 2020-07-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. XXXX XXXX XXXX XXXX XXXX was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with XXXX to save my home. My lender ( Wells Fargo ), after I submitted paperwork from XXXX in XXXX, including, hardship letters, bank statements and tax returns told me, via phone call, I did not qualify for a loan modification because I was " over 37 months delinquent '' and made no indication of reviewing the documents submitted by XXXX. 

When I spoke with the Wells Fargo representative, on XX/XX/2018, I was told that I was 1 ) Considered as delinquent since I was not paying the full monthly mortgage figure ; and 2 ) Had extra late fees now attached to my mortgage ; and 3 ) was in a category identified. The only option I had was to pay the full amount owed {$110.00}, XXXX by XX/XX/2018 or conduct a Short sale on the property. 

As of today, I have not received a denial letter from Wells Fargo underwriters with notes for the denial regarding the rejection for loan modification. All I want to do is pay the amount I owe, less the add-on penalties and late fees, and restructure the loan. I have attempted to sell the condo two times in the past five years, but have been unsuccessful, due to condominium management negligence. I am in imminent danger of foreclosure. Filling this complaint is my last resort. 

I have a court date scheduled for Friday, XX/XX/2018 for a foreclosure hearing.

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 2021-03-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX  - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
After our county being declared a natural disaster by XXXX and the president after hurricane Florence Capital one auto finance has refused to defer any payments for any length of time. They give you payment options and that is all. We can not agree to any of those options when we do not know when we are able to get back to work due to severe flooding around the whole entire county.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital Accounts sent a collection notice to me on behalf of XXXX XXXX XXXX which was a previous disputed claim - the dental company was negligent and didn't send it to my insurance until after the filing deadline had expired. I paid it anyway on XX/XX/18 in the amount of {$790.00}. I called and talked to them and they said it would be posted and cleared from my credit report in 30-90 days. Now they have posted the collection again ( twice ) on my credit report as {$790.00}. This is a predatory practice. I have the bill showing the collection amount of {$790.00} and a copy of my ACH transaction showing I paid it on XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Resurgent Capital Services L.P.
State: TX
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:
In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX was opened in the amount of {$400.00} and also XXXX XXXX XXXX  also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
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:
This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

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 2020-12-04
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:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account 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 explanation
Consumer complaint received 2018-04-05
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated phone calls by XXXX XXXX XXXX requesting payment of student loan debt. Last phone call was on XX/XX/2018 at XXXX pm, PST and asked to call back to 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 2018-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am tired and sick of Chase and Chase Executive office who keep playing games with my modification application. As of XX/XX/XXXX I was forced to re apply all over again since Chase told me that my application for loan modification was never reviewed. 


I re apply for the loan modification and now they are telling me that my application was removed for modification because the underwriter called me directly on XX/XX/XXXX and I refuse to accept the trial payment agreement. 

Now Chase is refusing to return my call, I called today and I was told the point of contact XXXX XXXX p. XXXX ext XXXX Manager XXXX XXXX are out of the office on vacation and they will not return my call until 1 month from now. 

There is also an executive office representative assigned XXXX phone number XXXX who is not in the office and doesn't have any information about my case. 

This is unacceptable since Chase has been playing games with my home since 2 years ago. It is convenient for Chase to keep playing games because my mortgage is adjustable and negative payment. 

Which it makes senses now that Chase keeps playing games with my home and keeps delaying my loan modification application. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud  warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have had a XXXX XXXX XXXX XXXX  for years. It had a zero balance for a few years until XX/XX/2018. I purchased two pairs of shoes and they raised my credit limit to {$4500.00} from {$1500.00}. They had changed my account number due to a fraud alert a while back, I never received my new card. I called XXXX  in XX/XX/XXXX to get the correct account number because I could not find my card and they told me the could not give it to me over the phone. I requested a new card to be sent to me. I also gave them my new mailing address to send the card and I never received it. 
I made my first payment via phone on XX/XX/2018 was for {$500.00}. I had to call in the payment because I did not have the correct account number to pay via my bank. Then I was at XXXX in XXXX XXXX at the XXXX store in XX/XX/XXXX. I purchased another pair of shoes and asked the associate to write down my account number because I still didn't have my new card. He did and I added it to my bill pay via XXXX. I sent a payment through the bank on XX/XX/2018 for {$1500.00}. Then about a month later I got a 31 point hit on my credit report because I was late on my XXXX XXXX payment. I looked at my bank and it said the check was processed for {$1500.00} and they gave me the check confirmation number but it had not been cashed. At this point I called XXXX  and they said I was 31 days late and they didn't receive the payment. I read them my account number the associate in XXXX wrote down for me and they said it was incorrect, I again asked fro a new card, told them I never got the last XXXX I requested. I made sure they had my correct address again and I still have yet to receive it on XX/XX/2018. I told them I had the check confirmation number that XXXX sent to them to prove I made or attempted to make a payment. They said they can send it to disputes to see if they will remove the credit hit and they denied me the credit fix. I have had to call every month to make a payment. I have now spoken to a person via phone twice to request a new card and haven't received it. I made another payment on XX/XX/2018 and XX/XX/2018. 
I make my payments on time and I have tried to resolve this issue by requesting a new card twice so I can get the correct account number. I have asked the sales associate to write my number down and it was wrong. I called and explained what happened, I had proof from my bank I attempted to make a large payment to them. My credit was excellent and the hit took me to a good rating. 
I am hoping that XXXX  will look back at my payment history and all that I have done as the consumer to get the proper account number and to make sure my bill is paid and fix my credit issue. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in 2012 to open a utility account. Penn Credit Corporation ( debt collection agency ) stated that they needed a copy of my license, proof of residence ( lease ), and XXXX Police Report in order to have the account removed from my credit report. I provided them with everything that they needed and they still have not removed the item. I have already disputed the items with the credit bureaus. I will attach the documentation they requested to this form if allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have attempted to settle this issue with the credit card company and I spoke with an agent ( XXXX ). The credit card is a Wal-Mart card that used to be with XXXX XXXX. Capital One bought the account in XXXX of 2019 but the automatic payment information was not transferred. I am willing to make up some kind of payment plan but COVID-19 IF IT TAKES INTO ACCOUNT THE CURRENT COVID-19 IMPACT THAT HAS REDUCED MY INCOME IN THE STATE OF MARYLAND, XXXX XXXX COUNTY. I HAVE DISPUTED THE PAST DUE FEES AND THIS IS A DISPUTE OF THE PAST DUE FEES. ANOTHER CONVERSATION WITH XXXX SAID THAT THEY WOULD REDUCE ANY AGREEMENT TO WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-05-22
Company: Exeter Finance Corp.
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The original price for this XXXX XXXX  XXXX is about {$14000.00}. The car was leased around XXXX and up to date the balance is around {$11000.00}. So far I think I have paid over {$28000.00} for this car. Something is not right. I want a thorough investigation on this. Even when I just paid about {$2000.00} few days ago to get my car back the amount still remain the same. I want all records of payments. No late fee will amount to almost {$20000.00}. Something is not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Meridian ARG Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
log of recent calls : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company calls many times weekly to collect a debt for someone i do NOT knowthis is my cell number i have had for over 2yrs i have asked numerous times to remove and stop calling me and they hang up on me and continue to call, the name of the company is cambridge assest management they say that this debt is being properly served for someone named XXXX XXXX? spelling and they give a case number as XXXX

Company response to consumer: Closed with explanation