BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On my XXXX statement the balance subject to interest was {$1600.00} with accrued interest of that period of {$36.00} & a payment of {$130.00}. On my XXXX statement the balance subject to interest was {$1500.00}, accrued interest of {$35.00} with a payment of {$130.00}. My XXXX statement shows a balance subject to interest of {$1400.00}, accrued interest for the period of {$30.00} with a payment of {$150.00}. My XXXX statement shows a balance subject to interest of {$1300.00}, accrued interest of {$30.00} and a XXXX payment of {$150.00}. I call to inquire how the interest that accrued on my XXXX statement in the amount of {$30.00} was just {$.00} less the amount on my XXXX statement of {$30.00} despite the balance subject to interest dropping from {$1400.00} to {$1300.00} a difference of {$140.00}. After speaking to three representatives, on of which was an " account specialist, '' no one could provide a plausible explanation. The last individual said that they would have someone internally look into the matter but no one was going to contact me with an explanation, which is nothing more than an exercise in futility. 

My second concerned that raised is that in XXXX of 2019 my interest rate was raised from 26.99 % to 27.15 %. In the past the expatiation I was given was the interest hikes was base on the federal reserve raising interest rates. However, the federal reserve hasn't raised interest rates and based on information for the fed chair there are no plans to do so this year. I was told today that this interest rate was based on the Pericardial Index listed in the XXXX XXXX XXXX which variable. When I inquired as to why they chose to raise my interest rate the the Index rises but have never lowered my interest rate when the same Index falls, I was not given an answer but told it would be looked into but again no one would respond to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: LEXISNEXIS
State: SC
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:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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:
I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXXl for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient keeps pursuing me for my school loan balance 1. They can not produce my original signed loan document so no one can determine the loan terms and conditions. 
2. They illegally charged deferment fees and sent a letter and refund check due to a class action lawsuit. XXXX XXXX, et al. v. XXXX XXXX XXXX, et al., XXXX XXXX. XXXX XXXX. Have filed false documents in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Thursday, XX/XX/2019, I received a text message from my spouse ( separated at the moment ) that he keeps getting calls from XXXX XXXX ( who was the original loan holder prior to XXXX ). He said they been calling for a while now. He picked up a on this day and spoke to a gentleman. The gentleman explained that he is a debt collector looking to collect a debt from me. He told my spouse that I owe XXXX but they are willing to settle for {$13000.00}. What upsets me is that I am currently in the divorce process and contacting my spouse on a debt that has absolutely nothing to do with him. I do not think it is right and that a violation for this company to give someone information to a debt that is # 1 not theirs, and # 2 a third party that never was authorized or reference on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I contacted collection agency ERC to ask them to validate the debt they kept reporting. I have given this collection agency way past 30 days to respond and provide me with the information or proof that the account was mine. They have yet to validate this information to me. I also have the attachment of where I sent and asked this collection agency for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CMRE Financial Services, Inc.
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:
XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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: Their investigation did not fix an error on your report

Complaint:
I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: NJ
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:
For my credit report with Experian, XXXX & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by Experian, XXXX XXXX XXXX and my credit score should be returned to what it was in the previous 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 2019-04-09
Company: JPMORGAN CHASE & CO.
State: CO
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:
Chase has submitted a credit inquiry on my XXXX   XXXX. I do not have any Chase financial products nor did I request any. This is the second time that Chase has done this. They blamed identity theft last time, and I have not had my personal info compromised-that has been verified. Furthermore if it were my identity being stolen than why is Chase the only financial institution that I am having issues with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've tried to remove myself from Bank of America and XXXX credit card solicitations countless times and nothing seems to work! I'm really fed up with dealing 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 explanation
Consumer complaint received 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - Capital One XXXX Val {$620.00} XXXX XXXX XXXX CAPITAL ONE XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX  - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W  XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH CAPITAL ONE ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2019-04-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm pre-paying my mortgage with Franklin American Mortgage. I was told that as long as a payment was under the amount due it would be applied to principle. They lied. Multiple times I've submitted separate payments which they then combine and pay multiple months. I feel like I'm constantly being overcharged interest and only twice received a corrected monthly interest statement. 

Then they insist on wanting to know who the subscriber is on my cell phone. This is NONE of their business. This is despite the fact I've stated it is my cell phone. 

I feel like I'm dealing with a bunch of charlatans who want to sell my personal information rather than protect my privacy or provide security and over charge me mortgage interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 information was stolen and use to open XXXX  XXXXXXXX XXXX XXXX account. i contact the credit company and XXXX XXXXXXXX and let each know but the account is still on my credit

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 2020-05-06
Company: HCFS Healthcare Financial Services of TeamHealth
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:
ARS ACCOUNT RESOLUTION, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2018-04-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
according to the federal trade commissioner, Fair Debt Reporting act, I, the consumer has the right to close any of my accounts without being approved by the credit bureau.I have request experian to closed five of my accounts by XXXX XXXX, experian closed one and the other four accounts remain open.I have the right to place a consumer statement on my credit report, I requested experian to add my 100 words or less statement to my credit report, my credit report do not have that statement on it no where.

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