BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: OR
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:
2013 my ex husband bought a car I was listed as cosigner. The car was repoed later. He filled bankruptcy on it. It's been over seven years and Experian won't delete

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 2021-02-11
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against RECEIVABLE MGMT XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2021-11-09
Company: Southwest Mediation Service
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a call from this number XXXX at XXXX on Tuesday XX/XX/2021 from an XXXX XXXX XXXX to be a lawyer from Soutwest Mediation Services XXXX She asked to speak to me using my maiden name, and said I owe over {$2000.00} for a magazine subscription from years ago. ( I have never signed up for a magazine subscription! ) She said the company are threatening to sue me and damage my credit, but that she managed to get the fees down to {$310.00}. She asked to email me the payment document but did not have my email on file, and asked to clarify my current address. I asked why she didn't have my email on file if people had been trying to collect money from me and she couldn't give me an answer. I have seen many reports online of the same story from the same company, hopefully you can shut this down!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Municipal Collections of America Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18, I was contacted via voicemail by a woman who stated she was from MCOA, and asked that I call back. Once out of work at at XXXX I called the number back and, to which an automated line asked me to verify my personal Social Security Number, to which I did not provide ( at this point I believed the call to be a scam ). I reached a customer service agent, who then stated she matched my phone number to an account. She then stated they were calling regarding an unpaid photo - enforced traffic ticket that was almost four years old, and that it was for a speed violation in the XXXX of XXXX. I have never heard of the XXXX of XXXX, and the agent would not provide any further information, until I verified my personal information. I refused to verify any personal information over the phone, and requested a validation of debt be sent out. I was told they were unable, unless I verified my address. She also stated it could affect my credit record. 

I would like to note that I have never once recieved a ticket through the mail. The only ticket I recieved in my life was in XXXX, OH, and it was given directly from a police officer, and has been paid with reciept. I reached out to the XXXX, who confirmed there is nothing on my driving record, and recommended that I reach out to the cities clerk of courts to verify there is nothing there. I also checked my credit record to verify that there is nothing there. 

I then googled, " The XXXX of XXXX '', and came across the City clerks phone number, who transferred me to the police department. After speaking with one  of the officer 's, they stated that there is a camera in there town but only one person can pull up tickets in there system, and they are not currently in. I was then told to call back later and see. 

Being that I was never notified of the debt and that the collections agency, who waited four years to attempt contact, stated they were unable to send any validation of debt, this collections attempt is in violation of the fair debt collections act. While this may be a scam call, phishing for information, if the " alleged '' Debt is real, action should be taken against this.This company is obviously attempting to scam people out of their money on debts that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX  or XXXX XXXX. 
The Bankruptcy Court has stated that they do not furnish information to third party agencies. 
I Am requesting to see what was used as proof to verify the alleged bankruptcy and if Transunion is unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information.. 
Transunion initially stated that XXXX was the furnisher of the information.Now that XXXX has stated that they have no public record on file, Transunion now alleges they got the information from XXXX XXXX is an online system that only lists the last four of any social on their siteI am now requesting the following : * Persons name that verified the dispute *Time of Communication * Documentation used to verify the dispute. 
- Pursuant to 15 usc 1681a- ( e ) e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

.

15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Thats 3 violations If 100 % proof and documentation from XXXX, The Bankruptcy Court, or XXXX Neighbor, Freinds, associate is not provided, Bankruptcy must be Delete 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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the XXXX XXXX XXXX  told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX  they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

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 2021-04-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have made multiple attempts to stop marketing from American Express. After receiving multiple credit card offer and then being denied. I asked American Express to stop all the marketing efforts to me at all my addresses. I also submitted an XXXX  Opt-Out and I submitted a Do Not Market request with the XXXX. I have also submitted complaints to Consumer Financial Protection Board about the issue.

I have spent thousands of dollars of my own money to repair my credit. I was asked by my legal team to sign up for opt out and XXXX. I have been successful in reducing my total number of inquiries. Although, when companies like American Express ignore my request, it negatively impacts me. It threatens my investment in improving my credit score, it threatens my ability to obtain employment, it also threatens my credit score. I am very unhappy that i continue to be marketed to for no valid reason. 

I was already signed up and had marketing material sent to my home by American Express. I have asked that the marketing stop. I have asked that the solicitations stop. I want to improve my credit so i can make important purchases in the future and to improve my ability to retire comfortably. I believe the American Express is not being an ethical company. I also believe that i have been treated unfairly by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I tried disputing the following unauthorized inquiries with Trans Union. Trans Union would not let me dispute these unauthorized inquiries online or over the phone. These inquiries are not mine. So I am asking Trans Union to do a full investigation of these unauthorized inquiries on my Trans Union credit report. If these unauthorized inquiries can not be verified. I'm asking for these unauthorized inquiries to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been delivered papers by a collection company named XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the XXXX XXXX XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, Synchrony Bank, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
capital one and XXXX XXXX wa state received community discharge for my spouse ch XXXX bankruptcy XX/XX/XXXX -gave capital one case number and attorney info etching Emailed the bankruptcy dept of capital one including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from XXXX XXXX XXXX XXXX seeking collection of XXXX for one of my capital one accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling XXXX XXXX for collections on XXXX account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXX so I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit

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 2018-12-22
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my 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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONE BANK XXXX ***** Opened XX/XX/2010 Balance {$1300.00} // Late Open CAPITAL ONE ***** Opened XX/XX/2010 Balance {$1300.00} // Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To whom it may concern : I am writing because 2 weeks ago I spoke with a Representative who informed me that my late fees ( over {$700.00} ) could not be retracted. The problem is that I was awaiting paperwork that was never sent. After speaking with the representative she informed me that my account was set-up for 'online ' and she apologized. My concern is that I was receiving other correspondences from Navient so how all of a sudden did it stop? She could not answer that. The end result was that I would incur the over {$700.00} in late fees and any other fees deemed to my account. 

I am a part-time working mother who makes {$20000.00} Per year at best. I am currently completing paperwork for an Income-Driven Repayment schedule. I have had difficulties been repaying these loans due largely to my son 's XXXX   XXXX that has caused him to be in the hospital several times and requires me to be readily available to his school. This has hindered my financial capabilities immensely. 

I have worked in the XXXX XXXX XXXX fields my entire career and I have not been able to live and afford these loans .... meaning my degree seems not to have benefitted me a great deal. I have been trying to do the right thing by keeping up with not going into default but for Navient to charge me continuously outrageous fees is unfair especially in this case because I was not at fault. 

It's so hard for working parents and ten times as difficult when you are raising a child with XXXX. I am requesting that ANY and ALL late fees be removed from my account. 

Please let me know of the findings and result after your investigation and decision. 

Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, 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:
Equifax credit bureau received my certified mail dated XX/XX/2020. To investigate a report on my credit file about a Bankruptcy. I have a letter from the court stating that they don't report anything to the credit bureau. I also freeze all my information through XXXX. I received a letter from Equifax that they have verified. That is misleading and fraud by not really contacting the bankruptcy court to verify such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home mortgage was transferred to Specialized Loan Servicing on XX/XX/2021 from XXXX XXXX. I have been making the monthly payments. Last month, I got a notice in the mail that they had not received payment. Yet the online account shows up to date, as does the mailed mortgage statement. I was on hold for close to an hour to speak with a customer representative who stated that I was in fact up to date on the mortgage with a next due payment of XX/XX/2021. However today in the mail was again notice that Specialized loan servicing can not find my check ( it was an electronic from my bank to them and confirmed ). This is crazy making and scary as this is our mortgage. It is not okay.

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 2018-01-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint against Citibank for their Mastercard credit card for which I am being charged excessive late and interest fees. Also on speaking and trying to resolve the issues with the company representative XXXX ( on XX/XX/XXXX at XXXX ET ) and then escalating to his manager XXXX at XXXX ET they refused to provide me with information as to whom I could file a complaint to, about my being over charged fees. XXXX ( Supervisor ) also suggested I contact the Better Business Beaureau instead of the CFPB as required by law. Specifically my payments are due every 2nd  day of the month, however due to travelling and the holidays for the month of XX/XX/XXXX ( payment due XX/XX/XXXX ) my payment was made on XX/XX/XXXX and processed / credited to my account on XX/XX/XXXX. Citicards then charged me a {$25.00} late fee as well as {$51.00} interest charge, because my payment was 1 day late. Attempts to call and have these charges removed were rejected and Citicards  refused to provide me with any information as to how to file a complaint to any regulatory agency. I have been a 15 year Citicard holder with a history of paying all my balances on time.

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 monetary relief