BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: MI
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:
Equifax continues to validate fraudulent incorrect account information on my consumer report that has already been deleted from my XXXX and experian report to to the info being invalid and incorrect. This is causing me irreparable harm being denied of my natural right to obtain credit because my information was hacked in their 2020 dat breach! I have given equifax every chance to cure the errors and delete fraudulent erroneous information from my consumer report that does not reflect the same as the other bureaus! I have asked for full disclosure in the validation process and have been denied! Please help Equifax has not lived up to its passed off the deal to protect the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I Have Tried At Least 10 Times To Apply For A Loan Modification : The Company Ocwen LLC Servicing Has Been Giving Me The Run Around, By Telling Me The Application Was Incomplete, And Ask For Additional Information, As I See The Information, They Say I Need Something Else. They Did This Until They Won The Sale Date With The Judge. I Have Certified Mail On Me Sending The The Applications For About A Year Or Longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Hello, I am having a problem with Capital One. I had called them mid XX/XX/XXXX to advise I would be late on that payment and to ask if they would reverse any late fee as a courtesy as I 've always been on time. The CSR I spoke with I believe was XXXX advised me to call back after the payment had been posted and the fee ( {$27.00} ) would be reversed. My payment is due on the XX/XX/XXXX of each month. I made a {$50.00} payment on XX/XX/XXXX. I waited a few days and it had not been removed. I called once again on or around XX/XX/XXXX and still no credit. My account would have been current with payments. Once again another call made and I spoke with XXXX. He told me that someone " would look in to it '' and get back to me. I told him that all I wanted was what the first rep assured me would be done and that late fee would be waived. Instead they just keep piling on fees and this is becoming very frustrating and upsetting. I 'm XXXX years old with health issues and feel they are just practicing very poor business skills. I made my XX/XX/XXXX payment on time ( XX/XX/XXXX ) for {$50.00}. Now, the automated system is telling me I owe {$100.00}!!! It should be {$47.00} due for the month of XX/XX/XXXX. At this point I feel I 'm facing a losing battle with them. Just keep racking up deceptive fees. I 've always made payments on time and have tried to resolve this over the phone to no avail. Please help me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: CBC Companies, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
1. Denied Credit Freeze- with my current address 2. Denied annual credit report because of my address. 

I am an American Citizen with a valid social security number. 
per complaint # XXXX : Submitted false information that I received a credit report on XX/XX/XXXX from Innovis. 
It NEVER happened. Further text says their is a security freeze on Innovis ' account. 
Phone conversation of XX/XX/XXXX revealed no such freeze. 

Text also goes on to say that it was mailed to me- in XXXX where I was living? - Never happened. Innovis policy says no international mail, in or out. 
What about now - annual report and freeze status? 

Text also says : I can request a credit report. - Impossible with my current address, and the phone conversation of XX/XX/XXXX said Innovis does NOT accept international mail. 
They also said they would not accept US Federal government information about my current address such as 1099 Social security since it is in XXXX. 

Suggest a Federal investigation on Innovis Policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My debt comes from XXXX XXXX XXXX, whe treatment was made, afeter billing we maded an agreement for payment with automaticalyy withdrawn after few payments, the next call was from a collection agency XXXX XXXX XXXX XXXX, i had never was informed my account was passed tothis company since i never refused paying, finally we went into a new agreement after huricane XXXX, i was going tostar paying on XXXX 2018 {$140.00}, oo, after that i received a letter from a new collection agency Capio which hads very rude personal, and very bad tactics of collecting and manners not to good since i never made any negociations or signed any type of documents for this companies to had the rights on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Comenity Credit Card and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to XXXX XXXX XXXX XXXX. 

XXXX XXXXXXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX XXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX has removed both accounts from the credit report under the " Collections " section but Comenity still shows this account as delinquent under the " closed account " section of my credit report.

I called Comenity regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Roycroft Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave me:XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX ), XXXX XXXX ... XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-23
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has billed me several times for a service they said was mine. I never lived in that XXXX XXXX. I didnt get internet from them and I have said it until my face is blue. The moment I start investigating my credit report, they get notified I guess and just popped up after the last lady spoke with assured me I was going to pay for the service if its in my name clearly. 
I'm getting so XXXX  here. Its apparent someone had access to my information. XXXX wont even send me a report until I show proof of who I am .... Which says they have a reason to feel something has been going on with my credit. I can't even answer questions I supposed to know. My name is wrong on all of my credit reports, and ive tried to clear that up as well. I just need help with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bought a Netspend realoadable card at XXXX for {$100.00} + {$6.00} fee, on XX/XX/2020. As I was moving, it sat in a box for a couple of months, & when I tried activating it, their website would not let me. I then called them & they said it had been registered under a deceased person 's SSN. Since then, they've refused ANY kind of help. They insisted in having a copy of a receipt in order to unblock the card and/or refund me. They've also hung up on me an indordinate amount of times. It's taken me nearly 2 yrs to finally be able to get a receipt from XXXX, and now Netspend is asking for tons of other documents that are not germane to the situation. I've sent them the receipt, a photo of the card in my possession, PER THEIR REQUEST. Now they want my SS card+proof of address+ID card+Passport copy+Naturalization Certificate+paycheck stub, bank statement, proof of government aid, and a host of other things! They are NOT a bank, they are **a licensed provider of money transfer services**. Them asking for all this information is conducive to identity theft. As of now, they are stealing {$100.00} from me & are refusing since the year 2020 to refund it or reopen the card DESPITE MY HAVING SUBMITTED COPY OF THE RECEIPT THEY HAD SAID WOULD BE THE ONLY DOCUMENT THEY NEEDED.

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
XXXX  website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX AND TRANSUNION ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX XXXXXXXX- 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 non-monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: TX
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 accordance with with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
0n XX/XX/XXXX I received my load for {$29000.00}. I stared paying back my loan in XXXX. I had trouble repaying loan so the navients customer service agent strongly suggested to defer my payments. I was paying the intrest and nothing toward the Principal. They insisted that was the best option for me. Knowing what I know now, it was the worse option. Im still repaying my loan. I have repaid over double what I was given. Instead of the agents helping and looking for the clients best interest they were only looking out for Navient Solutions. Im hopping to get Reimbursed for getting taken advantage of. Navient is not a trustworthy loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
Ive called every credit inquiry I dont recognize. They all said to let XXXX  know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXX XXXX taken off as well as all the hard inquiries from the ones I didnt put there I would like them off experian ... XXXX  ... and XXXX. Thank you for your help in this matter.

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 2019-06-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax isn't reporting a credit card that I have had for almost 2 years. They stopped reporting about 6 months ago for some reason and I have called them along with the credit card company. The manager at the credit card company verified that they electronically sent it to them and Equifax is stating they haven't received it. We are trying to buy a home and I had to open a NEW credit card in my name only just so something is reported on Equifax. This has now affected my other credit reporting on XXXX  and XXXX  because they report an AVERAGE of all credit cards and since this NEW one was opened only in XXXX, its dropped my score. I am not sending Equifax my FULL Social Security Number, FULL credit card number, FULL name, Date of Birth, etc. to an Equifax address. I have already given them any information needed and they can see that this was reported almost 2 years ago and then 6 months ago it stopped with NO explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never shopped or did business with this company, XXXX I have never had an account with them.

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 2019-04-22
Company: AC AutoPay LLC, Denver, CO Branch
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX was my go to shopping site for auto refinance which make me sign a disclaimer that state lender MAY do a hard pull on my credit account. 

AutoPay reached out to me offering for the refinance and the gentle man gave me a offer and I clearly told them to wait until I hear from other lenders as I was still shopping. 

I also told them over the phone to not complete my application and even if they do don't do any hard queries on my account, but soon after I ended the call they did a hard pull on my account and when I called the agent, he apologized me for doing it by mistake and also told me that his manager will call me for the dispute. 

The great manager called me and said since I signed the disclaimer with lending that gives them the super power to do hard pulls on the account how many ever times they need which is ridicules. 

I still don't understand when I didn't authorize anything over the phone, they did a hard pull on my account and not willing to dispute it. 

Now they're not even picking my calls. Please help me hear. This is cheating.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-23
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2015 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient loan ... XXXX XXXX XXXX, XXXX, XXXX ... XXXX XXXX XXXX XXXX wants to be released. 
# 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 has submitted paperwork to release co-signer XXXX XXXX XXXX from loan. 
Navient has not responded, in violation of their stated protocol for releasing co-signers two weeks after paperwork is submitted. Why is our son being discriminated against? XXXX XXXX XXXX is retired and needs the peace of mind to be released from XXXX duty. XXXX XXXX XXXX, XXXX is paying loans on time by auto pay on schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. While " XXXX XXXX '' is my given name, this debt does not belong to me. The collection agency has never validated this debt. The collection agency can not prove that this debt is MINE and not that it may belong to someone who happens to share my name. This debt has been previously deleted who also erroneously placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit reporting agency Experian is constantly and consistently reporting incorrect and physically unverified information on my credit file. It seems as if the reporting agency Experian is relaying on outdated sources as oppose to new technology. A credit reporting agency can not use electronic Verification as proof of any sort. The job of a fraudulent account is for it to appear as ethic as possible. I'm hereby demanding the removal of the following accounts. Please block immediately. 

1 ) XXXX XXXX XXXX {$1500.00} 2 ) XXXX XXXX {$520.00} 3 ) XXXX XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX  {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief