BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: MS
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 contacted XXXX, Equifax, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I have been a long time Capitol One customer ... a Veteran of the XXXX XXXX XXXX .... with good credit ... ZERO late payments until now ... .I lost my XXXX XXXX XXXX job due to the Covid -19 pandemic and other medical issues at the end of XXXX due to XXXX  and quarantined for well over 2 months ... .I just started getting my unemployment a week ago due to backlogged claims in Colorado. Capitol One has been working with me to temporarily postpone payments until I get financially stabled due to the pandemic. I called and was told that my payment was taken care of for XXXX and XXXX ... ..I received notifications when I was well enough ( still sick..mind you ) to check my email ... ..and noticed one of my credit cards was past due. I called immediately to address the issue. The Capitol One representative apologized and took care of the payment suspension and was told that my payment would not be reported late to the credit bureau ... .One week into the month of XXXX I got notification that I had a 30 day late payment on my credit report ... .Dropped my credit score 50 POINTS ... .I have since tried to correct this payment issue and received another notification that it was 60 DAYS..Crdit dropped 100 points! ... I have since paid the past due amount.. ( now getting unemployment ) ... This has been a disaster. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Ive been A victim of identity theft!! Ive sent numerous ftc reports to both Experian & XXXX. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both XXXX and Experian responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA

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 2019-05-28
Company: EQUIFAX, INC.
State: AL
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:
I have dispute a public record bankruptcy off my credit report with Equifax about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights Equifax has remove the man name but not his bankruptcy back in XXXX of 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Premier Student Loan Center
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2018 a company called Premier Student Loan Center told me they could get my student loans forgiven. I found out today this company is fraudulent. I would like to get back the money I paid them and make it so they don't withdraw any more. I am afraid they will use my personal information for more fraud. I don't want this to happen to any other people that have student loans. So far they have taken 2 payments of {$190.00} each. 

If you have any other questions please contact me at XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. Some accounts have been removed but there are a few left on there i have attached an ftc report and the company already have a copy of my police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. 
I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.

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 2020-07-02
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:
id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received several messages from Navient claiming I had not paid my loan fees despite monthly payments of XXXX dollars from XX/XX/XXXX-present. Despite multiple calls, I received only a grace period where payments were halted until XX/XX/XXXX. I sent a letter on XX/XX/XXXX providing proof of payment to Sallie Mae that was not reflected in my account and requesting an investigation. On XX/XX/XXXX I called again and was told that no action had been taken because I did not call to instruct them to take action!! Despite my very clear written request that my account be investigated and payments reconciled. I have asked for the matter to be forward to the processing team asap. I can not believe that 15,000 dollars + of my payments have not been credited to my account. I request the  immediate clearance of my account because the payments I made already covered the principal PLUS interest on the loans. I request that Navient close my account, stop harassing me for payment already received, and compensate me for the extreme stress this has caused by waiving interest fees for the past year during which I have been contacted multiple times and threatened with collections despite paying regularly, on time, and sufficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX was the first compliant I filed. The collector called my place of business asking for me. I returned the call and asked them to stop doing that. It continues. 

Today XXXX from Credit Corp called my business asking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
We received a US Bank Reliacard PA in the mail to our address with another person 's name, whom we do not know. We have been unsuccessful in contacting US Bank Cardholder Services to alert them of the receipt of this fictitious card.

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 2016-11-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company transferred my loan to another lender and because of the transition they took out a payment for my PMI Insurance ( for XX/XX/XXXX ) in XX/XX/XXXX. The amount is {$200.00}. In the mist of all this, I refinanced my home through another lender. They paid off the loan XX/XX/2016. There is an escrow refund owed to me that does n't include the {$200.00} ( PMI Insurance ) they are suppose to give me for XX/XX/XXXX. I called multiple times and they said the PMI was due XX/XX/XXXX therefore they will not refund me the amount. Why would I pay PMI Insurance for a loan I do not have with them? Its like selling your car and still making the car insurance payment. I would like my {$200.00} refunded for XX/XX/XXXX. They had no right to take that money out a month in advance.

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 2020-08-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have always made more than minimum payment due and always made all payments on time. On or around XX/XX/XXXX this year I accidentally submitted two payments the second of which led to insufficient funds being available and a returned check was issued. The payment that did go through was for {$500.00} the second that did not was for {$400.00}. A week later I made a payment for {$350.00}. I make 3-4 payments per billing cycle. I utilize no more than about 25 % of my credit limit.

I have abided by all requirements in the agreement and although I understand Citi can close the account if it so wishes, the effect on my credit score is damaging and I dont think the reasons Citi claimed warranted closing the account on top of a fee for the returned check. 

The supervisor I spoke with simply said " Citi just felt is was time to close the account ''. I am not sure how making all payments on time backs up his opinion.

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 2020-07-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This complaint is against the debt collector company Wakefield and  Associates , Inc., which is a debt collector company, and against XXXX XXXX XXXX XXXX, a company that represents emergency room doctors. Wakefield and Associates has purchased medical debt from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I went to the emergency department at XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, NJ, XXXX. The bill from XX/XX/XXXX is {$480.00}. The bill from XX/XX/XXXX is {$780.00}. The bill from XX/XX/XXXX is {$1100.00}. A total amount of {$2400.00}. Wakefield and Associates , Inc. has stated that each bill is fully my responsibility. 

On each date of service, I presented my insurance card to the hospitals registration specialist. The primary insurance that I had ( for each of the dates of service ) was XXXX XXXX XXXX XXXX. I was a member of XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have spoken with a XXXX XXXX XXXX representative and he/she has stated that they received a claim from the hospital, however they never received a claim/bill from XXXX XXXX XXXX XXXXXXXX. 

If XXXX XXXX had submitted the claim to my insurance in a timely manner on the dates of service, the cost could have been negotiated lower and my insurance may have paid for some of the cost. As a result of their negligence to file a claim, I am being charged the full non-negotiated prince. Another result of their negligence is that this debt has negatively impacted my credit report and my credit has decreased due to this debt. 

Since it has been more than 180 days since the dates of service, Wakefield and Associates ( debt collector company ) and XXXX XXXX XXXX XXXX ( company that represents doctors ) can not file a claim with XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX should have filed a claim in a timely manner on the dates of service because I presented my insurance information on the dates of service. I should not be responsible for this debt because XXXX XXXXXXXX XXXX  XXXX failed to file a medical claim to my insurance carrier. 

In addition, I called Wakefield and Associates during the month of XX/XX/XXXX. One of their representatives pressured me into creating a payment plan. He/she stated that I currently did not have a warrant out for my arrest, and to prevent a warrant I would have to pay back the debt. I was very frightened ; therefore, I created a monthly payment plan of {$45.00}. On XX/XX/XXXX, {$45.00} was taken out of my XXXX XXXX XXXX debit account. 

During the month of XX/XX/XXXX, I realized that debt collector companies can not threaten a warrant for your arrest due to outstanding debt. I promptly called Wakefield and Associates and I canceled the payment plan. I explained to a representative from Wakefield that I was canceling the payment plan because felt threatened and pressured.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft. Someone attempted to open an XXXX credit card using my name and social security number in XX/XX/XXXX. My credit monitoring services alerted me of a hard pull on my credit, and I contacted Chase Bank, which underwrites the card, to report it. The person I spoke to assured me that Chase would : ( 1 ) Send a notice to credit reporting agencies to remove the hard pull ( 2 ) Put a flag on my social security number so that any future applications would be declined.

Yesterday, I got another notice that someone had attempted to open a Chase credit card in my name. I contacted them this morning, and all the person I spoke to would commit to is declining the card. There is no flag on my social security number to prevent future fraud. Moreover, the XX/XX/XXXX hard inquiry is still on my credit report. I asked them to report the attempt to law enforcement, and they refused. 

Credit card companies need to do more to protect victims of identity theft from having fraudulent credit opened in their names. They should be required to report fraud to law enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Penny Mac had a website with an invalid security certificate, exposing customer social security numbers to theft, fraud, phishing, and interception every time they log in. They ignore complaints and refuse to update their website security and are recklessly exposing customers to identify theft. I want them prosecuted or sued for malfeasance and gross negligence leading to violations of consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Resurgent Capital Services L.P.
State: MA
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 have a loan with XXXX, XXXX XXXX XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation