BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Macys/DSNB in the past, but they have failed to give me a fair solution to my issue. I have a Macys/DSNB. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : $ XXXXThis company has been reporting incorrect information to the credit bureaus.

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Macys/DSNB and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to Macys/DSNB, which they ignored.

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 2023-11-26
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They put my loans in administrative forbearance because they didn't bill me. then they sent an incorrect bill amount ( didn't include all my loans ) and made the bill due in less than a week from when they sent the billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: AL
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 I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail Equifax, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
My mother passed on XX/XX/. Her home was sold on auction 2 years ago. We have not seen a dime of this money and it is getting ridiculous. The home was sold for over XXXX and she only owed roughly XXXX. Her estate has not received any of the money that it was supposed to receive. At this point if I do not hear from someone today regarding this matter, then I will initiate complaints with CFBB, XXXX  and Attorney 's XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One was directed to deny all calls requesting the account to be unlocked. XXXX weeks has gone by and after submitting photo identification and providing all pertinent information they are still not unlocking the account which is now past due and they refuse to help. I had bills that were linked to the card which are now past due causing me substantial late fees and having utilities shut off. I attempted to use the card and every time is gets flagged for fraud because of some spiteful law enforcement and a few other nasty indiviuals calling and telling capital one that the primary account owner is incompetent as they sit here and steal from him. Capital One is discriminating based on a third-party 's slanderous lies. The total damage caused by this discrimination is almost XXXX XXXX dollars including late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Can you reach out to @ XXXX and make sure they have my transaction data on time. That would help me so much, @ askRegions

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 2018-01-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 was reported late 90 days for months of XXXX XXXX, XXXX XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with Capital one but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card of and request that Capital One remove these late reports to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/XXXX a charge was made for {$560.00} and on XX/XX/XXXX a charge was made for XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been to this store. As soon as I realized the charges I called comenity ( the company XXXX  uses for their credit cards ) to dispute the charges. They told Me they did an investigation and found I was responsible for the charges. I had never been to that store prior to today, XX/XX/XXXX. I went to the store to find out if they could give me video footage but they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NJ
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 discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: ID Analytics, 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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : 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, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.

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 2023-11-16
Company: SLM CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently taking courses online and I have pending due student loan with Sallie Mae a private school lending organization. The problem revolves around the fact that such a firm has been legally informed about my enrollment status and the required formality of requesting the process of deferment has been completed. However, Sallie Mae has not deterred from collecting efforts and has been calling me on a daily basis demanding payment on an account that should be on deferment. The form was e-mailed by me and the school and it was also faxed. However, the collection continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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:
In noticed a XXXX XXXX XXXX XXXX XXXX. I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal it limited my account without reason, I do nothing at all, I contact it and I explain my service that I sell but without having any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with Experian about incorrect information on credit report. XXXX has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted XXXX on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a XXXX rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.

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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, My debit card was stolen on the night of XX/XX/XXXX. The next day I discovered {$6000.00} in unauthorized charges had been posted to my account and called right away to cancel my card. I was asked if the PIN was written on the card which I replied no. Once the situation was under control I took inventory and realized the PIN was written on a separate paper that was also missing. I visited the branch office on XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX, IL XXXX to update my claim and submit evidence in the form of my location history for the last few days. After waiting many days heard nothing. I called back several times to get a status however Chase was not able to give me any information and it seemed they were not taking steps to properly document as they were missing evidence I had submitted in person. They did not communicate to me what I could have done to help the process or even to keep me informed on the claim 's status. Every phone call was a struggle to get basic information and in the end they rejected my claim with their only suggestion being to obtain a subpoena on all the places my card was used to prove these charges we not made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29
Company: Trident Asset Management, L.L.C.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident management continues to report to XXXX credit reporting agency XXXX accounts that do not belong me. I have asked for validation on two different dates which has yet to be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BB&T CORPORATION
State: MD
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:
BB & T Account Number XXXX was charged off and I received a Form 1099-C for {$14000.00} ( copy attached ) for Calendar Year XXXX and then the Amount Past Due was {$0.00}. However, beginning in calendar year XXXX, BB & T is reporting the Amount Past Due as {$15000.00}. BB & T can not show cancellation of debt income in XXXX for the entire balance owed and an amount past due in XXXX, because I have already been taxed on the cancellation of 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 2018-04-21
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : XXXX XXXX XXXX Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, XXXX XXXX XXXX did the same damage to my score to have my credit score drop many more points. 

My XXXX card had a credit limit of {$3000.00}, to which I only had a balance of {$130.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When XXXX made the decision to lower my credit limit from {$3000.00} to {$200.00}, XXXX created the exact negative impact on my credit report that XXXX claim to be against. Before XXXX action against my excellent payment history with XXXX, I was at 5 % usage to my credit limit. Now that XXXX XXXX XXXX has lowered my credit limit, Im at a usage of over 60 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. XXXX XXXX XXXX actions have falsified my credit report to say that I am using over 60 % of his available credit when in fact I was only using 5 % of his available credit limit. 

With the facts being stated above, I am asking XXXX to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the XXXX is in the business to intentionally damage the credit scores of the XXXX card holders or any individual that make payments to them for their clients. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery is a dishonest company, I have called several times to arrange a payment and they have always turned down my payment offer. always with threats that would lead to court, I am unemployed at the moment, they do not want to help at all, They are a dishonest company making threats to people

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Mr. Cooper Group Inc.
State: VA
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/2019 my daughter was contacted by Mr Cooper  Mortgage of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted Mr. Cooper who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.

Company response to consumer: Closed with explanation