BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
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:
On XX/XX/2021. I sent a letter regarding an accurate and unknown thing 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 2022-08-17
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: Account information incorrect

Complaint:
Equifax is reporting the exact same installment account twice. 

XXXX XXXX XXXX XXXX Charge-off {$7300.00} This account is being reported twice it has caused me and my family irrecoverable harm,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened a credit card with Capital One in the fall of XXXX. Months later I called customer service and the automted system asked me which credit card I was calling in reference to. I asked the CSR why there was another credit card on file with my information. Someone in XXXX XXXX, Utah opened a credit card without my knowlege or consent and is fradulently using all my personally identifiable information. The card was opened XX/XX/XXXX with a {$700.00} credit limit. I asked Capital One to send me the statements and a copy of the signed application because I've been experienceing identity theft since XXXX and need evidence to file police reports. I wrote a letter to Capital One and never got any response. I called again today XX/XX/XXXX and was kept on the phone for 1 1/2 hrs while the CSR 's found reasons why they couldn't provide me with the documentation detailing the theft. I spoke with three CSR 's and each put me on hold, then returned explaining that the account was closed and there was no wrong doing found and that I needed to write another letter to get the account specifics. The card that was opened fradulently with my information is a Capital One credit card ending in XXXX. The person overcharged the card but eventually it was payed off and closed. Since XXXX I have experienced identity theft due to the fact that my information has been circulated by criminals for 14 years. I am writing this complaint to hopefully get the documentation needed from Capital One in order to file police reports and show identity theft. SInce XXXX I've recieved W2 's from jobs I haven't worked at. I get auto insurance quotes for vehicles I don't have that were financed with my PII, and bogus collection accounts on my credit reports put there by people who hope I'll just pay without verifying the legitimacy of the fake business name. I'm writing to ask for assistance in getting the fradulent credit card paper work from Capital One to prove this has been happening for years and I'm concerned that something more serious might happen that could be more damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 I responded to the XXXX, Delaware ( XXXX XXXX ) Citizen 's Bank Branch in response to XXXX $ promotion for opening a checking account. The teller explicitly told me to qualify you needed to keep the account in good standing and make XXXX online bill payments. The teller said that SHE HERSELF WILL POST THE BONUS IN SEVERAL DAYS! Of course nothing happened, and I contacted the regional manager. That manager apologized for the teller and told me even though your XXXX online bill pays were PERFECT ( this qualified ) you must wait 5 months later to XXXX XXXX!!! Yes, a FEW DAYS became 5 MONTHS! So on XXXX XXXX 2015 no bonus was received and I called customer service and the local branch manager - who said " oh you needed XXXX SEPARATE MERCHANTS on bill pay, so you do not qualify. So SERIOUSLY, they mislead me on the bonus payment date, then they mislead me into believing I qualified with XXXX bill pays, then they make me wait 5 MONTHS to tell me I did not qualify - and as frosting they failed to respond and resolve the issue on XXXX XXXX. This bank is DECEPTIVE and possibly PREDATORY, they failed the elementary rule of business - HONORING YOUR WORD. I made a complaint requesting them to execute regional managers statement that I qualified As of XXXX 2015 they have refused to reply or make the deposit of XXXX $ to demonstrate HONORING their WORD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a refinance with Mr Cooper Home Loans on XX/XX/XXXX. 

I was told I would not have to make my XXXX payment and that my first payment with the new mortgage would be in XXXX of XXXX. 

They took out my XXXX payment anyways and are telling me it's because I didn't cancel autopsy despite their website telling me I didn't have to. They told me the Loan Officer should have warned me and now there is nothing they can do about it. 

This is causing me great financial harm and distress because I actually had that money earmarked for an earnest money deposit on a house my wife and I are trying to buy and I don't know if I can make that happen now. 

I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my personal credit report, which I got from Experian on XXXX XXXX, XXXX and I noticed that there are inquiries that I did not authorize. One of the unauthorized inquiries was made on XXXX XXXX, XXXX by a company called XXXX with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never contacted nor asked this company for anything and I dont even know how so many inquiries are being reported when I never even applied for anything from these companies.

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 2017-01-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting inaccurate information on my credit report. There are XXXX different XXXX accounts which does not belong to me that is afffecting 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 2017-02-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX, representing a homeowner in the short sale of their property. We have been trying, myself and the homeowner, to communicate with and get an update from Ocwen regarding the status of the short sale approval. We have provided all documents requested - MULTIPLE times. Every time we get someone on the phone, most recently it was Agent # XXXX, just this morning, they disconnect our call! As soon as I began telling this person that we had already submitted the document she was requesting, multiple times, the phone clicked off, dead. The same, exact thing has happened multiple times to me - bu ONLY when speaking with Ocwen " relationship managers ''. They never call back and when we attempt to call them, we can never speak to the same person, and within a few minutes of explaining that we have already submitted every document they are requesting, they hang up on us! I am a XXXX. I 've XXXX in my career. This behavior from Ocwen is notably different from all others I 've dealt with. I can only assume they are intentionally trying NOT to allow the short sale and would prefer to foreclose on this property. I DO have a purchase contract on this home, from a pre-approved and committed buyer. We are ready to proceed and close this sale but Ocwen is not cooperating with us. They have made it impossible to proceed by continually requesting the SAME documents over and over and then hanging up on me when I explain I 've already submitted those documents. I have time-stamped emails proving that I have submitted the documents at least 4 times, some of them more than that. This has been going on since late XXXX 2016. I have reached out to Ocwen at various email addresses : XXXX, XXXX, XXXX, XXXX. I never get a reply back other than to request the same documents I just sent them. We are going in circles and I need the CFPB to step in and help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: MO
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:
Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : 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 2021-06-17
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called to ask for proof of verification of debt, I asked while I wait for this to come, I asked for them not to call me after this and to communicate only thru mail. I have been called since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ALLY FINANCIAL INC.
State: MD
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:
Something tan my report without my permission

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 2020-03-27
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: Public record information inaccurate

Complaint:
XXXX, XXXX and EXPERIAN has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.

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 2021-06-17
Company: BARCLAYS BANK DELAWARE
State: LA
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:
XXXX  is reporting 5 late payments on my credit report when I have not had a late payment since BEFORE my bankruptcy was filed and discharged in 2017. Experian told me Barclays Card is reporting as delinquent and that is the source of the late payments. I have contacted Barclays who refuses to provide me any information other than that they say I owe them {$850.00} and that my account is listed as a collection account. I spoke with multiple service reps and all hung up on me and said they couldnt help me, that I needed to contact the credit collection company. So, I contacted XXXX XXXX who informed me that my account has been closed with their office since XX/XX/2017 and I needed to contact Barclays because THEY are the ones reporting inaccurately to the credit bureau. Barclays will not help me. This debt was discharged in Chapter XXXX bankruptcy in XX/XX/2017. I should not have any late payments on my credit report! Someone please help me deal with this horrible company!

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 2015-07-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The company name on the contract is ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX - XXXX XXXX. My wife and I met with the XXXX XXXX in XXXX XXXX XXXX on XXXX XXXX, 2015 in an office next to XXXX XXXX XXXX ( across from XXXX ). The sales person wasXXXX XXXX XXXX and her husband XXXX. The closer 's name XXXX XXXX. 

My wife and purchased a XXXX week residency contract for a pre-construction XXXX resort unit to be built on beach property directly behindthe offices. 

They quoted the unit at {$120000.00} regular but discounted to {$59000.00} as a pre-construction special. 
They promised us {$38000.00} for our XXXX bedroom XXXX lock-off whichis a deeded unit at XXXX XXXX, XXXX, XXXX. They desired to use our XXXX timeshare unit as amarketing incentive for other buyers. 

We negotiated the reduction of the remaining {$21000.00} down to $ XXXX to credit limits on our credit cards. We placed a total of {$19000.00} on XXXX credit cards ; American Express XXXX XXXX XXXX XXXX XXXX. XXXX contracted with a third party companyto liquidate our timeshare ; XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX. The contract listed thebuyer as ; XXXX XXXX. 

I have communicated several times with XXXX. XXXX XXXX XXXX, hastold me on XXXX occasions that a meeting with the? buyer? isscheduled. XXXX XXXX now states that the process normallytakes from XXXX days. 

XXXX offered the first XXXX buyers a no maintenance fee for life incentive and a {$2500.00} annual payment to be paid directly to us for each unit shouldwe decide to release them to the company for rental at the first ofeach year. That would be {$2500.00} x XXXX weeks = {$10000.00} per year! 

We found the XXXX XXXX XXXX site to be atechnical mess and poorly maintained. We found that it the websitehad been hastily created in XXXX 2015. We found that the web linkson the site do not work and passwords can? t be reset. 

I calledThe XXXX XXXX customer servicenumber provided on the website ; ( XXXX ) XXXX. The address given isXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland, XXXX. 
Once the female rep answered, I immediately heard music playing andchildren playing in the background. I mentioned this but she deniedany children were present. She was unfriendly and unable to answermy web site navigation questions. 

We received XXXX XXXX and a free resort week for attending thepresentation. We received an additional week for buying. We weregiven an additional contract to use at XXXX XXXX, XXXX propertyuntil the new property was to be completed in XXXX months. 

We also received a signed XXXX year100 % money back guarantee. I requested returnof our funds in writing to XXXX XXXX XXXX but have received no responseas of XXXX XXXX. 
I submitted a formal request to XXXX XXXX on XXXX XXXX toexercise our money back guarantee. I have received no responsesince.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My Experian credit report contains a wrong home address. Experian says the address was reported by a creditor, so I should contact the creditor and have them correct the information. However, Experian does not tell me which creditor incorrectly reported my wrong home address, so I have no way of contacting the creditor. ( By the way, the address Experian reports for me is fictitious -- it is not a address recognized by the United States Postal Service. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Freedom Mortgage Company
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 status incorrect

Complaint:
I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to Freedom mortgage yet, Freedom mortgage has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. Freedom mortgage for example reported on XX/XX/XXXX to XXXX that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for Freedom mortgage states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS Freedom mortgage is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX XXXX for Freedom mortgage to the CRPB back then!

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 2016-03-11
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
I had loans through XXXX XXXX XXXX because I went to XXXX University and as a part of XXXX closing. they were supposed to get rid of the loans I still had almost {$9000.00} through uas lending Services since they receive the loans that XXXX had to give up. almost {$7500.00} of my loans was removed from uas lending services but I still have a total of {$1700.00} and change through uas lending services. I do n't feel that I should be paying for this other XXXX if they already removed almost XXXX from my private loans that originated with XXXX and wound up with uas. I keep getting calls from uas saying that I owe the money and now it 's in collections saying that I owe them money why was this part of the loan not removed when the other XXXX % was? I would like for this loan to be closed out I 've already reported it through XXXX XXXX saying that I should not be paying for it and all they did was remove the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XX/XX/2020 when the pandemic first hit I was diagnosed with the XXXX XXXX and I moved with my sister because I was sick and due to me being Ill I wasnt thinking about any bills I was trying to keep from dying. My sister paid my bills not knowing the amounts because I moved and we didnt have a bill to even pay. I asked due to me never being late beside those 2 months I asked for Macys to remove the 2 late fees because I had XXXX and I never received a bill. Ive never missed any payments and I pay all my bills on time and never been late with Macys. Im in the process of trying to purchase a home  and Im requesting that the 2 late fees be removed due to me being sick during a pandemic

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 2021-04-21
Company: AVANTE
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.

Company response to consumer: Closed with explanation