BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$17000.00}

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 2020-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX XX/XX/2020 I ordered online an item to Walmart. I included a warranty service for three years. The item was shipped without the warranty and was charged only for the item ( a XXXX  '' XXXX XXXX ). I was not informed and realized only when the Capital One credit card charged for the laptop. I contacted Walmart and they did not completed a depth investigation and referred me to the seller XXXX ( Third Party ). They contacted XXXX  and returned the item. I never saw the item. I was promised by Walmart and XXXX to refund me the charge. On XX/XX/2020, Capital One applied an adjustment for {$44.00}. On XX/XX/2020 I was charged again for the same charge of {$400.00}. I contacted them and their response was the seller provided " additional information ''. I contacted the reseller and Walmart again. They promised investigation and Walmart and escalation. I still have the charge for {$400.00} and no answer or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After several attempts to recoup the overpaid dues in escrow XXXX and Lakeview Servicing have used several different attempt to use errors in accounting to deceit the buyer into a larger escrow balance than what is due. {$6200.00} over 12 months would be {$520.00} every month. They have charged an excess and have even made statements like you failed to pay a supplemental tax, they provide no proof of this. After even emails with the compliance director of Lakeview she tried to explain the reasoning of the issues. She stated that there are no errors and that if I have an issue that I should contact XXXX. The issue I have is {$520.00} is missing from escrow. I have identified what we should label money laundering. They state the overage is {$1200.00} where they only have bills and receipts for a total of about {$4500.00}. {$2600.00} for hazard insurance and {$1900.00} for taxes. This is a total of {$4500.00} if ytd over XX/XX/2018 to XX/XX/2018 XXXX is over. They only issued a check for {$1200.00} so where is the remaining {$520.00}? That seems very close to the missing money from escrow. Please identify issue and reprimand both companies and all associates involved as CFPB was already contacted on this issue with a falsified response.

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 2021-02-25
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:
EQuifax, XXXX, and XXXX failed to comply with thirty day notice. Reporting inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus are reporting inaccurate information on my credit 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 2019-11-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2018-09-30
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this issue with Account Resolution Corp whom did not provide me with a copy of my signature with the provider of services to release any of my medical information to Account Resolution Corp regarding alleged debts as well as cease any Credit Bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA VIOLATION and a violation of my human rights according to the ( FDCPA ). These entries must be deleted from my credit report immediately. XXXX # XXXX ( {$1500.00} ) XXXX # XXXX ( {$270.00} ), Act # XXXX ( {$350.00} ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My EDD payment was paid into my XXXX account XXXX acct # XXXX in the amount of {$1200.00} NFCU took that money despite the fact that I was advised by XXXX in security that EDD was protected funds and that it would be returned. It never was and when I requested a list of protected funds I was advised it does not exist. I than stated than you must return the money you took as you can not prove you had a right to. Since my compliant they have given me the run around and have now taken my account and it appears to have been closed. NFCU as removed /deleted correspondence between us and I can not access it anymore. They have been covering up the violation against me with intentional actions to prevent me from defending my position

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX has removed the data from MY CONSUMER REPORT as it is inaccurate ... ... See attached File ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report legal complications may arise. 
As stated before ******* ( a bankruptcy never happened ) ********** This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED 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 explanation
Consumer complaint received 2018-05-17
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from Reliant Capital Solutions LLC. I had previously disputed this account. I have never done business with Reliant Capital Solutions LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Reliant Capital Solutions LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ).  Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital Solutions LLC Cease and Desist all further communication 9. ) This account is a XXXX violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Specialized Loan Servicing Holdings LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years later I received a letter from another collection agency  regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted 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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a veteran who has been victimized due to my service ( the federal OPM data breaches resulted in my personal information being released, sufficient to charge my cards and open additional credit in my name ). 

Following the web flow for attempting to place a credit freeze on TransUnion 's website will attempt to " validate '' a known credit card to " prove your identity '' and then place a recurring {$24.00} a month charge onto the charge. 

Attempting to call and fix this with their agents resulted in the agent literally laughing at me and then hanging up. 

I still have not found a way to place a credit freeze onto my account without a charge. I expect that I will be billed going forward.

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 2021-06-07
Company: Collection Bureau of Little Falls, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked them to send me proof that I owe them and the only thing they sent me It was a paper that said " Balance Due '', that does not prove anything, the authorization of the HIPPA is expired because it is from 2013, I do not understand why they are charging me interest on a medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial Account # XXXX  We have been escrowing money on this account since its inception for payment of property taxes. Our property taxes to XXXX County, Georgia were not paid in XX/XX/XXXX. I contacted Ditech when I first noticed the taxes haven't been paid. The first contact was on XX/XX/XXXX. Every time I call they tell me they are researching it. Meanwhile, they are sitting on approximately {$8000.00} of our escrow money and are taxes are still not paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a lease to own car from XXXX XXXX leasing on XX/XX/2015. The terms of the deal were that I had to pay {$130.00} every week for 3 consecutive years. I kept up my side of the deal as far as making payments but after the second year I gave the company {$8000.00} in advance to buyout the final year of the lease. The original company whom I obtained the lease from XXXX XXXX XXXX XXXX has since sold the company to a new company called ( Fair ). Fair is  now saying that they never received the money from my {$8000.00} payments even though my bank XXXX XXXX is indicating that the money did indeed go through and no reversals were made. I have received emails from the original leasing company with confirmation numbers and receipts to back up my claims. My car has since been wrongfully reposed and the company is now saying I owe $ XXXX.I contacted the company and requested an itemized accounting of my payments and they have refused to provide me with my records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complaint with IdentityTheft.GOV and reported I had my identity stolen in a few data breeches. One occurring from the VA and XXXX. I printed off a letter from the government website and sent it to USAA but they did not respond or remove from my credit report. I dont know what else to do as they dont respond and keep reporting a debt that is not mine. They are claiming I neglected to pay {$1200.00} for a fraudulent account that I disputed many many times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have invalid charges on a Major Credit Card with the following institutios ; Capital One. A Record of charges is listed below and receipts for the charges are attached. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for documentation by XXXX Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation the institution has refused to honor both Fraud Claims. Capital One honored the claim in the amount of {$5300.00} but denied the {$9200.00} claim. Capital One to date has only notified me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018, Chase Mortgage took over my home loan from XXXX XXXX. I inadvertently continued to send my payments to XXXX XXXX and was not aware until XX/XX/XXXX that my payments were not being received by Chase Mortgage. Once I was made aware of this I began to work with my Bank ( XXXX XXXX XXXX ) and XXXX XXXX to try and track down my payments and get back in good standing with Chase. This process took some time and in the meantime Chase deemed me a risk and sold my mortgage to XXXX. This caused my credit score to  drop almost 200 points. I have always been good about paying my bills except for a few 'hiccups ' along the way. The major exception is the time period from XX/XX/2018, when Chase decided to buy my mortgage from XXXX XXXX, until XX/XX/2018 when I was made aware of the situation and took steps to correct this. As you can see from the attached documents I fixed the 'lapsed ' payments and have been on time since then. I feel that this situation was not caused by my inability to pay, but due to some confusion with the buying and transfer of my mortgage and therefore I should not be penalized by this.I would appreciate anything that can be done to help restore my credit to where it was before this all happened. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-07-18
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keep reporting an account that doesn't belong to me. It does belongs to my daughter. I don't have any financial responsibility on these bill. I asked this company to provide me with any proof that I have signed any paper regarding this bill. They didn't provide me with the documentation requested, but still reporting on my credit causing financial distress. This is a clear 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 explanation