BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: CITIBANK, N.A.
State: CA
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:
I had Citi credit card for more than 10 years. I have arranged to receive a paper statement and never want to change it to paperless. How ever whenever I use the card, Citi Card company repeatedly changes the statement to paperless and failed to send me a paper statement. As I dont use online statement, I repeatedly called them and told them not to change to paperless. Immidiately, they start to send a couple of statements and then they stop again and again more than ten times. By not sending a reminder statement, they have collected late fees and interest unfairly. They have also adversely affected my credit rating. Why do the government let Citi card get away with such bad business practice?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After having my teeth cleaned  at an in network dentist, I was billed for services that were supposed to be covered with only a copay. After being billed repeatedly and disputing with insurance company, I finally payed out of pocket after it was sent to collections. Nearly 2 years after settling the debt, I received another bill for the same services. I tried to contact the dental  office and learned that they went out of business. I am receiving calls from debt collectors for a debt that has already been payed. I believe they sold a bunch of debt, valid and invalid in order to keep the business afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Currently hold a credit card with Capital One, have had this line of credit open for over 10 years and have never missed a payment and have paid the card off multiple times. Currently carrying under XXXX on the card and making regular monthly payments above the required amount. The scheduled payment was made to Capital One XX/XX/XXXX above the required amount. On XX/XX/XXXX Capital One automatically took XXXX payment out of our account without authorization. We had our auto pay canceled on XX/XX/XXXX and had made a payment in full on XX/XX/XXXX. Our Autopay had been canceled for months we never gave Capital One permission to automatically withdraw payments. Made a phone call XX/XX/XXXX when the issue was discovered spoke with a representative named XXXX. XXXX stated that even if we cancel our auto pay and make on time monthly payments Capital One has the right to continue to pull payments from our checking account at will. XXXX also stated that he could not and would not return the unauthorized amount back to our account. XXXX stated that we could file a complaint with Capital One and have someone reach out to us in 15 business days. The information given to us is not located anywhere in Capital Ones terms and conditions nor is it listed anywhere on their website when you cancel your autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Westlake Services, 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:
XXXX XXXX XXXX is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX financial. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-20
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested for validation of an alleged account that continues to report on my XXXX credit file. I am in possession of statements mailed to me on XX/XX/2021 in response to my earlier demand notice from Lewis McDonnell & Associates. It's clear to me that this is UNRESPONSIVE to my demand and the alleged debt is UNVALIDATED. I asked them to please CEASE and DESIST all reporting and collection effort immediately. They have not. 
It seems that they purchased something that stated one thing and they are asking for {$2400.00} more than what was purportedly charged-off per their letters. I have attached the items that I've asked them to provide me that would say that they are authorize to ask me for any money. They refuse to. They are violating 15 USC 1681a ( 2 ) ( a ) ( i ) 1692g, 15 USC 1692g, 15 U.S.C. Sec. 45 ( a ), 15 USC 1692e ( 10 ), 15 U.S.C. 1692j and more. 
This fraudulent account was removed from XXXX and XXXX. 

Lewis McDonnell & Associates and XXXX have ignored my request for proof of validity of an alleged account. It is negatively affecting my credit file. I provided them with some laws they are not adhering to and is violating my consumer rights. 
If there is anything you could assist me with regarding this matter, I would greatly appreciate it. 
Im looking forward to hearing form you. Thanks 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 2017-07-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX- Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I sent TransUnion the attached letter requesting re-investigation into a closed account and it 's inquiry and the results I received ( attached ) was deletion of an accurate account instead. Please delete the correct unauthorized inquiry as well as the subsequent closed account and reinstate the account that you deleted in error. Thank you.

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 2018-06-05
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I was notified by one of my banks that the limit on a credit card was being decreased due to information on an XXXX credit report they just received. When I got that XXXX report, I saw that XXXX XXXX had reported negative information -- alleged non-payment and closure of a credit card. I NEVER applied for that card and never knew anything about it. When I spoke with the Synchrony representative, I was informed that the person who opened the account was in Florida, had no telephone number, no email and an " odd '' address. You would think this should have alerted the bank to suspicious circumstances and caused them to do some investigation before opening the card. I live in California and my credit reports from the three agencies have been flawless of decades and contain my correct address etc. When I requested that Synchrony fix this, they told me it could not be done in the 30 period I requested. As I understand it, they are required to look into this and cure it within 30 days. I want to report this failure and also the fact that I NEVER received any notice from XXXX XXXX that they were putting negative information on my credit report. This, too, is a violation of both the California statute and the federal statute. I would like the CFPB to open an investigation into both the improper diligence work by XXXX XXXX and their failure to follow the state and federal statutes for the correction of this situation.

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 2019-09-16
Company: Utah System of Higher Education
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: Was not notified of investigation status or results

Complaint:
There are 4 accounts reporting in error, I wrote 2 letters to XXXX XXXX, XXXX & XXXX  explaining that the delinquencies that are reporting are reporting in error. 
I was in deferment on the dates they are reporting the delinquencies. I received a letter from XXXX saying that it was verified as accurate from the creditor. I then asked all three bureaus for method of verification and never received an answer from all three bureaus. Step 2. I then wrote a letter to the creditor Utah higher Education I sent it certified and never received a response from them. I was never late i was in deferment and would like the late entry removed and my credit report to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Harris & Harris, Ltd.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Remove this following collection account immediately : HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$6800.00} HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$160.00} HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX  AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Was texted the following message from ( XXXX ) XXXX : NAVY FEDERAL CREDIT UNION : Did you attempt {$200.00} on debit card at XXXX # XXXX XXXX XXXX XXXX? Reply YES/NO/HELP. Dont want fraud txts? Reply REMOVE. 

I replied yes and was called from ( XXXX ) XXXX ( XXXX XXXX collect number ). 

The caller knew my account number and my previous address ( I gave the state of my current address and he said it was listed as a secondary address ), but requested I give additional information to verify my identity. I provided my personal info ( including my SSN ), but knew something was awry when i was notified my account password was changed and they guy I was talking started talking about wiring money. At that point, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24
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:
I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. 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 2018-01-05
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been asking for mortgage assistance since XXXX XXXX. My account manger was non-responsive and I did not receive any update until early XXXX, when I was contacted by XXXX XXXX, AVP of servicing. She stated that my account manager was no longer with the company but had no idea why my new account manger had not been in contact with me. He finally was able to reach me by phone in mid XXXX and despite multiple requests to contact me via email, refused to do so until last week. 

I have finally received a determination from Fay Servicing and find it completely unacceptable. They will not offer ant loan modification arrangement other than the option to short sale the home, an option which is not going to work for us because we are severely under water- we 've owned the property for 10 years and it is worth less than we paid for it. It should be noted that I did not receive this notice from Fay Servicing, I received it via complaint I filed with the BBB- and the letter has the incorrect address on it, indicating the account manger did not change the address as he stated. 

I am a XXXX XXXX XXXX XXXX, previously worked for the XXXX XXXX XXXX as a XXXX XXXX XXXX serving overseas in hardship posts such as XXXX and XXXX. We had always made our payments on time until XXXX XXXX when our tenants decided to break their lease and we were unable to find new tenants in a timely fashion due to the housing market in our area. We have since secured new tenants and fully expect to be able to pay our mortgage on time, we are simply asking that the balance from the missed payments be added to the mortgage and that the late payments be removed from our credit report. This is necessary because I have a XXXX XXXX XXXX for my job and a poor credit rating puts me in danger of losing it, and my job. 

This is a serious matter which we believe has not been taken seriously by Fay Servicing and if we are not provided adequate assistance we will have no choice but to involve attorneys which we would rather not do. 

Please let me know if you need anything else, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Hello, with settlement that was recently announced, I feel more confident in asking that my private student loan ( taken out while attending XXXX university ) be discharged. XXXX marketed Sallie Mae as a preferred lender, and engaged in deceptive and coercive tactics to obtain enrollments, I was encouraged to enroll and take out a private loan, and I was not supported in my program once admitted. When I called Sallie Mae ( now Navient ) years ago to address this, I was coached into forbearance which drove my balance up. With the principal and interest I have paid already, can you let me know what next steps I need to take to get my private loan discharged. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
Exeter Finance Company took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays Bank Delaware continues to report an account to XXXX and XXXX   the account was the result of bankruptcy filing due to Id theft several years ago the account was previously removed from all credit files and has been readers to XXXX and XXXX without and notice to me

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 2019-09-24
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 tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have notified the credit agencies about the following errors and disputes : Transunion is reporting my name as XXXX when my last name is XXXX Transunion is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX, and Transunion is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX/XXXX  XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for 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 2018-09-27
Company: Experian Information Solutions 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:
1-XXXX  XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX  on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.

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