BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company numerous times disputing what they are showing on my credit report! This company hangs up on me! I call back and they tell me to dispute it with the credit bureaus! A representative told me that they could not find me in the system! I have tried everything!! 

Now I am filing a Cease and Desist and Lawful Notice of Estoppel to remove this from my credit report at once! 

This is not my debt and is hurting my credit score. My brothers name is XXXX XXXX and my fathers name is XXXX XXXX XXXX Not sure if this is their debt or just an error putting on my credit report but it needs to be removed asap! 

Thank you for your assistance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Navient Solutions, LLC.
State: MD
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:
Several attempts have been made since XX/XX/XXXX by contacting Navient by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. Navient has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with Dept of Education/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to Navient until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for Navient to work along with Dept of Education ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: FinCo Services Inc DBA Current
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I filed a dispute with my card company ( Current-XXXX XXXX XXXX ). I attached police reports and followed all directions asked. It is now going on 4 months and this company have not gave me a decision on my claim. I have made numerous of contacts, and they keep telling me it could take up to 90 days for an answer. 

I patiently waited 90 days, and now they say they need additional time, but my card agreement only say a max of 90 days. Now, when I contact them they ignore all my emails. My card was stolen and used frauduently, and I have listed the transactions below : 1. XXXX XXXX {$1000.00} 2. XXXX {$500.00} 3. XXXX XXXX {$650.00} 4. XXXX {$210.00} 5. XXXX {$1000.00} 6. XXXX {$1000.00} 7. XXXX {$820.00} 8. XXXX {$1000.00} 9. XXXX {$500.00} 10. XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the end of XX/XX/XXXX, XXXX XXXX company changed my monthly payment from {$680.00} to {$1100.00}, stating a negative escrow account. Due to my monthly pension and social security income, i was unable to afford the forced {$1100.00} payment. At this moment, i am receiving mortgage statements asking for reinstatement amounts of {$47000.00}. Ocwen has added forced insurances, fees, and have rejected my {$680.00} payments by returning them. During this same time, i received a debt cancellation of {$220000.00} which is shown as a shared appreciation-principal reduction on my mortgage statement. Ocwen has also changed the {$1100.00} payments to {$740.00} over the years on my defaulted payment account which is false because they never offered me the option to pay {$740.00} instead of the forced {$1100.00}. I am now in foreclosure, Case No. XXXX, which was on hold due to Motions sent to the circuit court of the XXXX judicial circuit  for XXXX   county Florida. Motions were sent to the plaintiffs in XX/XX/XXXX and XX/XX/XXXX. We have just received a Motion For Summary Final Judgement Of Foreclosure on XX/XX/XXXX. The plaintiffs are XXXX XXXX XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am trying to save my home of 39 years. I would like for Ocwen to give me a debt forgiveness or an affordable loan modification that includes insurance and taxes and of course a foreclosure sale cancellation. My dream of owning my home has been destroyed. I purchased my home in XX/XX/XXXX at age XXXX for {$35000.00}. I made the mistake of getting a refinance that led to predatory lending in XX/XX/XXXX and now i'm fighting to save my home at age XXXX. I pray that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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:
XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in Chapter XXXX since XX/XX/XXXX. 
Wells Fargo has not sent a mortgage statement since XX/XX/XXXX, despite numerous requests, in writing and by phone, by my bankruptcy attorney. 
An Agreed Order was entered on XX/XX/XXXX ordering Wells Fargo to send me monthly statements. 
Wells Fargo has not complied. 
Wells Fargo has not applied my XX/XX/XXXX payment.

Wells Fargo has not sent me an XX/XX/XXXX statement. 
I suspect they're charging me interest on balance not adjusted. 

XXXX XXXX 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 2019-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2019, Experian received an initial certified letter from me, disputing and requesting verification of various accounts reported by Experian on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Experian stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Experian received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I have not received a response from Experian with regard to their Method of Verification of the accounts in question. 

Experian has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Experian received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.

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 2018-04-16
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 've had an unauthorized inquiry on my credit report for months now and Transunion is n't helping me to resolve the issue. I disputed the inquiry with Transunion twice. The first time was on XX/XX/XXXX and the second time, XX/XX/XXXX. I 've also called Transunion in XX/XX/XXXX concerning this prior to disputing in written form. Since I 've made it clear to Transunion that this inquiry was n't authorized by me, and they continue to fail in helping me, I 've reached out to you for assistance in removing it.

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 2018-04-16
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I secured an auto loan with Santander Consumer USA on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership Santander is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted Santander and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Aldridge Pite, LLP
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Law firm sent me a notice of property foreclosure sale for my 2nd mortgage. 
I have not received notice of the debt or notice to validate the debt. There is a property foreclosure sale date set for XX/XX/2109 for my property. I also did not receive a 30 day notice by mail per the Tennessee state law. Letter is dated XX/XX/2019 but I did not receive the letter until XX/XX/2019. They are trying to foreclose on my first mortgage and I'm current with my first mortgage with a different mortgage servicer. 2nd mortgage is the delinquent mortgage, instrument number in the letter is for my 1st mortgage and not my second mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, On XX/XX/XXXX Bank of America send a wire transfer on my behalf to XXXX XXXX XXXX   under a company name XXXX XXXX XXXX. The Company could also be known as XXXX XXXX. The money was send for me to purchase an investment product called XXXX XXXX. I never received the product. Later I figured that the whole thing was a scam. On numerous occasions, I asked Bank Of America to retrieve the money from XXXX XXXX. They reported that the account owner closed the account with XXXX XXXX. The case # at Bank of America is XXXX. Please retrieve the money from XXXX XXXX. It is a scam. 

Thank You

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 2023-03-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CT
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:
i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both transunion and experian. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Westlake Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a WESTLAKE FINANCIAL SERVI stating that I had an account with them and owe them {$12000.00}. I have no knowledge of this account. I mailed a letter to WESTLAKE FINANCIAL SERVI on XX/XX/2018 asking them to VALIDATE not VEFIRY this account they claim I had with them or remove it from my credit report immediately if they can not provide me with suffice documentation. I have yet to receive any VALIDATION of said debt. Please have this account removed from my credit report as soon as possible as it has resulted in defamation and misrepresentation of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions 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:
Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account 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 non-monetary relief
Consumer complaint received 2018-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
In XX/XX/XXXX-XX/XX/XXXX of this year I had a trip planned through XXXX .It was paid in full prior to traveling. While I was on this trip I had a dispute with the above mentioned company. It was settled and I was credited in the amount of {$1000.00} to my Saks World Elite Master Card, which is issued by Capital One. Since this was a credit on my account I called to get a check issued back to me. I have been waiting patiently and have been given the run around since the end of XX/XX/XXXX. Saks blames Capital One and vice versa. They both claim internal issues. As of this morning I have spoken to a supervisor by the name of XXXX, who rudely told me Capital One did not issue a check despite being told that numerous times that it was mailed and I should have received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call on XX/XX/XXXX, XXXX, XXXX XXXX employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As ofXX/XX/XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX balance reported by XXXX XXXX for period ending XX/XX/XXXXis {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both XXXX XXXX and Equifax. Both state the other company is disputing the account or originated the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have recently been a victim of fraud and have place security freezes and fraud alerts on all my credit reports. Listed below are accounts that I did not approve the following for my credit to be ran. Please review and delete this information from my Transunion credit report. I have reached out to them several time via phone, fax, and email and have not received any response. This is causing me a lot of pain and suffering. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/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 2019-04-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I attempted to send money via XXXX to a friend in the amount of {$50.00}. The friend necer received the funds so I XXXX searched XXXX customer service number and contacted them for assistance. I spoke to who I was led to believe was a customer service rep for XXXX. Who stated that they needed to send test transactions to link my account. I was told that these transactions would only be test transactions and no money would be deducted from my account but instead {$640.00} was deducted. I immediately asked to speak to a supervisor but was disconnected and unsuccessful with reaching anyone since. The next day I filed a complaint with Navy Federal who investigated and gave me a provisional credit but have reversed the credit after they were unsuccessful with getting anything resolved with XXXX XXXX. Since then I've made 3-4 email attempts to speak with someone about this issue with no response I've also requested the rest of my money that is left in my XXXX account but the only response that I received was that my account was closed due to the dispute I made withy bank. I have filed a police report and have not been able to get any help from Navy Federal or XXXX with this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation