BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Sterling Infosystems Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I been getting turn down for employment due to an adverse action towards me and im not aware of any pending case towards me nor am i in any legal situations with any one. Please help me and give me information regarding this adverse avtion towards me. I believe the information is not accurrate and or incomplete.

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 2018-03-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans in 2007 with the promise that if I worked for a non-profit for 10 years I would have them forgiven. XXXX XXXX signed me up for a loan that doesn't work for that program even though I had said at the time that I wanted to participate in the student loan forgiveness program. 

In XXXX I tried to have my loans forgiven and was told about it being the wrong type of loan. I reapplied for the correct loan and was approved. I also applied for Income Based Repayment. That application is supposed to take 3 weeks but it has been over 6 with no progress. I've called and emailed and heard that it was being worked on but nothing has happened. the people I talk to keep saying that they will expedite it but then I end up calling again a week later to find that nothing has changed. 

This process is confusing and annoying and I have to take time out of work in order to call and take care of the issues. It's very frustrating and they don't seem interested in doing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}

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 2019-08-22
Company: WHEELS FINANCIAL GROUP, LLC.
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: Account information incorrect

Complaint:
Am formally reporting XXXX on a previous case I opened with you. Case XXXX. I got this letter from XXXX that my account is paid and they told you I own them. How can an account be paid off and still own to that account. XXXX XXXX actually sold my truck and after collecting more than {$5000.00} from me. I told you XXXX is a financial predator. How can someone give XXXX and a want more than {$10000.00} in return. I took them to court and got a judgement in my favor. They have confirm from the letter attached that the account has been paid. Please see to it that they delete every thing from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 my XXXX and I inquired via phone with Huntington Bank about applying for a HELOC. We were encouraged to go in person to a local branch to discuss our options. We met XXXX ( branch manager ) who explained a few different options, and that the loan he was considering for us required a XXXX credit score. We were instructed to send pay stubs and proof of homeowners insurance, which we provided via email on XX/XX/XXXX. We did not complete any paperwork at the bank, nor did we sign an application. On XX/XX/XXXX we received an email that referenced some disclosures attached, but when we attempted to open the attachment file, it was empty. My XXXX  had opened the file and noticed documents ; however, they were removed before I could look at them. I emailed XXXX on XX/XX/XXXX to further inquire about the possible loan options and he never responded. We contacted XXXX 's supervisor who informed that we were denied due to low credit scores and late credit card payments, but that XXXX was looking into other options for us. I let the supervisor know that my XXXX 's credit score is XXXX which seemed sufficient for the loan we were told about, and he said that we needed a XXXX  score for the loan product. Further, we have no late payments on our credit cards. We have never received any paperwork or proper disclosures regarding this adverse action, nor did we sign any documents providing Huntington permission to run our credit. We are wondering if this is a RESPA violation, an ECOA violation or a combination of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX my dispute was received by Equifax. I disputed a collection that was placed on my credit report by XXXX XXXX XXXX. I also sent the company a validation letter. I pay for a credit monitoring service which alerted me on XX/XX/XXXX that the account was removed. On XXXX XXXX I received a new alert that the account was placed back on my credit report. I never received anything from Equifax stating that they were placing the account back on my report. I received paperwork in the mail from XXXX XXXX XXXX stating they were providing me with validation. XXXX XXXX XXXX  provided an an alleged contract they say was from XXXX XXXX. XXXX XXXX XXXX  provided their account number which is XXXX. Then they provided an account number which they alledge is from XXXX XXXX XXXX. The contract which they alledge is from XXXX XXXX has an account number of XXXX. The original account number from XXXX XXXX XXXX and the account number on the contract they sent me do not match! The alleged contract also does not have my signature. I am including the letter sent to me from XXXX XXXX XXXX and a contract they claim is from the original creditor. 
The information is inaccurate and the company clearly is not able to validate this account according to the FDCRA. This account was removed from my report and placed back on without the 3 day notification and without being properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: The Bureaus, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a phone call from XXXX XXXX XXXX XXXX Collection Agency re : an account for Bureaus Investment Group Portfolio No 15, LLC for Merchant Credit Card @ XXXX ( Last 4 Digits on card- XXXX ). Fast # XXXX and balance is {$830.00}. After I explain to the representative that I am a victim of identity theft and have NEVER applied for or open a charge card w/XXXX XXXX. He took my information and sent me a FRAUD PACKET and details regarding the fraudulent charges. I filled out affidavit and provided all requested detail : police report, current gov't id ( license ), etc. 
Again, the card and charges are not mine, and I would like the account flagged as fraudulent and my name cleared. Also, this credit should be CLOSED OUT w/XXXX XXXX AND FLAG AS IDENTITY THEFT. 

Note, the address for statement states XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX - I have NEVER lived in Arizona ( See attachment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One has not provided requested information including their PHYSICAL mailing address for filing a notice of small claim, this was requested in prior complaints, a XXXX XXXX replies with a website address. Capital One placed a stop payment on a close out check in error, reissued it, intercepted by a third party. The funds were not received by myself and I believe Capital One is aware of this, refuses to do anything further. A small claim needs to be filed for missing funds, a total of XXXX. Messages have been left, seven in total, for XXXX XXXX and not one returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The phone calls are coming in each day. They are robocalls which claim a debt. But when I have gone to the 800 phone number to discuss it, I am given a series of questions to sell me products. There is NO WAY to speak to someone. 

The numbers rotate each day so are impossible to block. Among them are XXXX, XXXX XXXX XXXX and XXXX. But there are countless more. The 800 number I was given to call was XXXX, I misdialed the first time and got the same treatment at this 800 number : 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 2018-10-05
Company: CITIBANK, N.A.
State: NV
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: Investigation took more than 30 days

Complaint:
Citibank received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is Citibank refusing to update my account with a XXXX   balance to the reporting credit bureaus.

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 2017-08-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I wanted to make payments but they said I did not qualify for a payment plan because my income was to low so they sent me papers for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC. 

On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me. 
These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years. 
Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}. 
But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine. 
I request an investigation against this company, because they informed inaccurate information for the XXXX  company, and this information affects my credit activities and employment activities. I consider this action as defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible.Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. Please contact me for additional information or questions you may have. 

Sincerely, 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 2020-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've never had cc with XXXX there on my Experian it seems like XXXX and Experian are in couhotes together also on my XX/XX/XXXX XXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late

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 2020-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX, I contacted Citi via the web chat function and spoke with a representative. I was laid off in XXXX and just returned to work last month so I needed some additional time to get caught up. I was allegedly enrolled in a COVID-19 forbearance program and was told my next payment would be due XX/XX/XXXX, and that I would receive written confirmation of this in the mail within 7 to 10 business days. No such confirmation occurred and I began receiving internal collection calls from Citi. Today, XX/XX/XXXX, I called and after an hour on the phone and having been hung up on several times, got to a manager in the " resolutions '' department who more or less told me I was lied to and there is nothing that she can do. I have the ability to make the XX/XX/XXXX payment that is due, so that is not the issue.

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 2022-12-18
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Online information services is claiming I owe them. I have no knowledge nor have I signed an agreement with this company. This is aggravated identity theft. I have no knowledge of this company. This is abusive, deceptive and unfair debt collection practices. This company has no means of my identity and reporting without my lawful authority. This is aggravated identity theft 18 usc 1028A. XXXX has committed unlawful extortionate and violating 18 usc 1894. No negative information should be reported on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Today XX/XX/20 I received an email from Capital One stating they have reduced my credit limit for no other reason other then I'm not using my credit to the limit each month. I have been a customer for about 10 years and pay my card on time and have outstanding credit ( well until today where this will hurt it ). I called the company to see why they would do this to a card member that has been paying on time, and they just said they do this from time to time. I've never in 10 years had a card reduced when I've paid on time and had no issues. They said they would not be able to reverse the decision and that I would have to wait 6 months for it to be reviewed. Of course this would include check my credit score, which again would impact my score! As a business Capital One has hurt card members during a time in which some people might need the additional amount for job loss or Covid related expenses. Apparently they have done this to not only me but thousand of good customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
On or about XX/XX/2020, I purchased a one-year subscription to XXXX -a social media management App for business. However, shortly thereafter the XXXX stopped servicing customers and stopped access to all accounts. They even sent an email stating they were having issues and if we chose could request a refund. Needless to say, all such requests were ignored by the company. I then filed a dispute with my bank, Huntington Bank, and was assured all would be fine since I caught it in time. On XX/XX/2020, Huntington issued a letter stating they were issuing a provisional credit to my account for the charges. I even asked if they needed copies of the email correspondence etc. They said no. Today, XX/XX/XXXX, I received a letter via US mail dated XX/XX/2020, that they were in fact " denying my claim '' since the " monthly charges '' happened prior to the monthly billing cycle! 
First, this was not a monthly charge as stated when I filed the claim. 
Second, the company has no monthly charge of {$150.00} Third, it appears Huntington neither read the details of the claim nor investigated since the company is no longer in business and countless customers are up in arms with a simple google search. 

Of utmost concern for me is the inconsistency with how this claim was handled. They could not be bothered to read the details and decided based on facts ( yearly fee ) instead of conjecture and assumption ( monthly? ). I am considering closing my account over {$150.00} based on how this claim was handled. There are no substitutions for attention to detail in Financial matters. As of today, I am no longer referring to my business clients to this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation