BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NE
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:
When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-30
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received first correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019.  So far has not been received. 

Received second correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019 stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There are two judgments against me. Both debts are old.

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2, Citibank cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm XXXX XXXX XXXX. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XXXX my mom went into retirement due too her health, I lost my job in XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XXXX we were out of the country and in XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting XXXX income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by Citibank. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Student Funding Corporation of America, Inc.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/2019 I was instructed by my school to fill out an apllication for the SFCA to receive loans for the last remainding balance of my tuition. The loans amounts that I was applying for were for XXXX, XXXX and XXXX. On XX/XX/2019, I received an email thanking me for submitting my application and but they need a few items from me. I needed to mail them my past two tax returns, two of my recent paystubs and a copy of my i.d . On XX/XX/2019, I received an email that my appication had been approved and the need me to sign the Master Primissory Note ( MPN ) and I had 30 days to do it. On XX/XX/2019, I received an email stating that they had received my MPN and had been accepted. I was told in the email that I would not receive the funds personally but they would be givent o my school directly. On XX/XX/2019, I graduated the XXXX XXXX XXXX School and was awaiting my XXXX which I would get a month after my graduation date. I had no reason to worry about my balance since the loan company was sending the money directly to my school. On XX/XX/2019, I received an email from the SFCA telling me that upon futher review that I was denied the loan. I was given no futher information, other than to contact my school to set up payment plan. I was completely devasted. I was counting on this money to pay the balance of my tuition. On XX/XX/2019, I emailed the SFCA and asking them why I was accepted and later denied my loan. I received nothing back from them. I tried contacting my school since they where the ones who recommended this loan company to me but they offered no further information and just told me to set up a payment plan to pay them the remainder of my balance. I talked to a family friend who has some information about loans and he told me that it was weird that I was approved and then denied the loan without any reason. He has tried to contact this company and he has even left several messages with them but they have not called back. I have even attempted to call them and they have not returned my phone call. The only information I get from the school is that in the passed eight years of working with this company they have never had this happen and that several students were accepted and then later denied the loan without any reason. I just feel like I have been played and maybe this was all a scam. This concerns me because they have my information. It also worries me because my school isn't trying to help me get to the bottom of this. I only went with this company because they assured me that they worked with them before and that they help students who in real fiancial need.

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 2019-05-30
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX   XXXX {$2600.00}, XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX XXXX ; {$300.00}

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 explanation
Consumer complaint received 2019-05-30
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Loan Modification in XX/XX/XXXX with the assistance of a Hud Certified Housing Counselor. Submitting multiple loss mitigation applications. I have responded to every document requested by U.S.Bank. I presently have a letter from USBank requesting additional information by XX/XX/XXXX. In viewing my Deed, USBank recorded foreclose on my deed XX/XX/XXXX, and also placed this action under the name of someone who is not on the mortgage. I have also received correspondence from a " Law Firm for " NOTICE OF INITIAL CASE MANAGEMENT CONFERENCE '' on XX/XX/XXXX. I need clarity as to what is going on. I spoke with a relationship Manger at USBank yesterday and was told my package was complete and I should receive an answer within 4 weeks. This process has been like a nightmare switiching of relationship Managers, losing my submitted paperwork, recording non payment to the credit bureau when I was told by a representive at USbank NO PAYMENT WAS DUE XX/XX/XXXX SINCE THE LINE OF CREDIT WAS MATURING never provided an offer for my Loan Modification Request.

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 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One still has not provided me with all the information I have requested. I have submitted a XXXX Police Report and am in the process of filling out the packet for proper ID Theft Submission. Per the original request, I wish a paid in full letter sent to me by this company. Incident Report XXXX Police XXXX - XXXX attached. 

Capital One - ( {$430.00} ) ( certified Validation letter ( s ) etc. sent ) Company refuses to provide valid full information regarding the fair credit reporting act ( original application etc ). I provided this company with a notarized affidavit. Company Letter ( s ) Note : I am responsible for all charges after investigation, information regarding " how '' the investigation ( s ) were handled was denied. ( by phone )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Information belongs to someone else

Complaint:
I've wrote several letter explaining to the credit bureau that the accounts that I'm disputing are not my accounts and requested means of validation and I have yet to receive anything in writing with my signature tying me to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: VA
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:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. XXXX, XXXX, and Trans-Union have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX 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 2018-07-16
Company: CONTRACT CALLERS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/XXXX my mother put XXXX bill in my name I never knew that she did this until XX/XX/XXXX I went to apply for a credit card and was denied due to my credit score I asked for a copy of my credit report this is when I notice that their was a XXXX bill for XXXX I called XXXX  to find out an address of service that was given to me as XXXX XXXX XXXX XXXX XXXX pa XXXX this address belonged to my mother after speaking with XXXX  I also called the collection agency contract callers inc after speaking with the collection agency they mailed me fraud paperwork which I filled out and mailed back with a copy of my photo I'd a dispute letter my lease from where I lived at the time service was opened and my lease from my current landlord also I filed a police report with XXXX police  department incident number XXXX I have been dealing with XXXX  and contract callers back and forth and nothing has been done I did my part I even did a dispute with both XXXX and XXXX  and again nothing has been done all I want is for this to be corrected and taken off my credit report I also want to put out there before my mother passed away XX/XX/XXXX my mother reached out to XXXX and contract callers inc to set up a payment agreement but her payment was denied from XXXX due to the account was already sent to collection agency she then reached out to contact caller inc to talk to them about payment arrangements and they would not speak to her due to she said she was my mother now both XXXX and contract callers inc have her on tape admitting that this account was hers not mine I don't know what to do anymore to me it feels like no one wants to help me get this off my credit report I'm hoping that you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: MN
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:
These accounts do not belong to me and I'm demanding that they be removed from my credit file. 

1 ) XXXX XXXX XXXX XXXX {$4200.00} 2 ) XXXX XXXX XXXX XXXX {$5800.00} 3 ) XXXX XXXX XXXX/XXXX {$4000.00} 4 ) XXXX XXXX XXXX/XXXX   {$3500.00}, please block the above accounts.

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 2018-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, I was using the credit karma app. I saw an ad for a capital one card. I read through all of the information. I noticed a portion which said that I would not be eligible if I had a past dur account with capital one within the past year. Since I did not, I applied. I received a message informing me that I was not approved. I would receive an email and letter within 10 days with an explanation. Today, XX/XX/XXXX, I received an email with instructions on how to view a pdf about the decision. The letter stated that I had too many past due capital one accounts. Again, I do not have any past due accounts with them. 
This is the fourth time in the past two years that I have attempted to get a capital one card. The last three times the reason for denial was a lawsuit on my credit report. This mysterious item was never found. In the past I have received calls from people claiming to be with capital one. They tell me that there is nothing that they can do, that I should check with the local courts, and a bit of fake empathy. I would love to speak with a person who can help me. I would love to find out why capital one is making excuses for not approving my applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I want this removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Red Cedar Associates LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have already taken care of this debt. And they sold it to This company Red Cedar associates and I get threating phone calls that need to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} XXXX approx. {$1800.00} Bank Of America. A man posed as XXXX XXXX, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The XXXX men took me to XXXX separate gas stations buying nearly XXXX of some sort of tickets/cards, they tried to get me to take more money directly from the cards using ATM and I entered incorrect PIN before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! The second gas gas is where the BOA card was used and I didnt sign for anything but card was still used by the XXXX man. Filed reports with XXXX XXXX XXXX contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX  local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies are billing me for unauthorized charges, I did not authorize three men posing as XXXX drivers to force me to give them me credit cards and steal the items they wanted bought. I am military and the credit card companies are charging me fees, late charges on the unauthorized charges and ruining my credit. I was XXXX to XXXX beginning XX/XX/2019 and just came off of military orders. Any help you can offer would be greatly appreciated.

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