BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Caine & Weiner requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Caine & Weiner is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I DONT REEMBER THIS COMPANY AT ALL ITS HURTING MY CREDIT SORCE BAD DATE OPEN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX Bank of America EDD debit card closed my card as I was right in the middle of transferring my funds to our other account not affiliated with bank BofA. I assume they did so because they did not want me to transfer my funds. loss of interest?? who knows what excuse they have. But they should be charged for doing this to me. What grounds do they have?? EDD is still depositing my unemployment benefits to my account that I have no access to. I have called t he number on the back of the card and gave them the correct answers to security questions. But was told I had to call back to talk to someone in the Fraud department and they gave me no number said to call same number XXXX and they would have to transfer me but they where closed right now. I have called numerous times and the transfer just goes right back to customer service after it rings numerous times.I at this point dont think there is a fraud department that they have to have me speak with its just a game to them. How do they close my account that I have had since XXXX ( EDD ). and right when i am about to transfer my funds they close it down within seconds of me doing so. How can they even say Fraud when the IRS took a lien on my account last month and took XXXX from my account there was no problem with Fraud obviously that should clear up any fraud issues.. i mean they had to verify me with the IRS 4 weeks ago. I can not get print out of my account as they have blocked me I can not use my card because they will not open my account I have even since changed my pin number through EDD and my security questioins where I had to answer old ones to change I thought that would indicate there is no fraud on my account. The only fraud going on here is by bank of america EDD. I am a retired correctional officer and have had prisoners do less crime then the ones Bank of America is getting away with .. I still have no new card and my card i have in my presence is still closed. nothing is getting done and I have done all I can do. HELP PLEASE 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 2020-08-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Email from an XXXX XXXX XXXX XXXX : XXXX threats of asset seizure, court summons, wage garnishment, damaged credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Sentry Credit, 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:
Collection account reporting on my credit and the debt belongs to my ex spouse. This is evidenced via a signed divorce decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
it was something I never opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2017-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a Student Credit Card Journey when I had turned XXXX and at that time attended XXXX in XXXX as a XXXX and working only part-time and Capital One knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX College full-time while working only part-time until XX/XX/XXXX when I relocated to XXXX for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. In XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told Capital One this at the time. Never got a response. To date, I had never received any correspondence from Capital One other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from XXXX threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. Capital One has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel Capital One Bank ( USA ) , N.A . along with their attorneys XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. Capital One has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: BTH Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Plaza Services requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Plaza Services is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Ocwen Financial Corporation
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made multiple requests to have the reporting to XXXX to be consistent with the other reporting agencies. This has taken many years as the contact information provided by XXXX is outdated and my many requests that were sent to XXXX as provided by XXXX were redirected to XXXX and to a different company. To no avail, I complained routinely to XXXX that they were not providing valid contact information. 

Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I indicated in writing to PHH Mortgage Services that their reporting in regards to Ocwen was inaccurate. They denied having any knowledge of my account, although the account was routinely confirmed to XXXX. I finally received correspondence dated XX/XX/XXXX, from PHH stating that if I wanted to dispute the account, to respond by sending the verifiable documented proof. Sadly, they were responding to a letter that provided all of this documentation. 

PHH is reporting that a foreclosure started XX/XX/XXXX. This is inaccurate. The foreclosure was started XX/XX/XXXX and the mortgage was actually satisfied XX/XX/XXXX. This proper reporting is indicated as such on XXXX and 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 2016-08-10
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from Titan Receivables, INC referencing XXXX XXXX XXXX. Prior to this notice, I have not received a call or notification from XXXX XXXX XXXX stating that I still owed anything. I thought my XXXX was fully exonerated. Furthermore, after receiving this notice in XX/XX/XXXX, I called Titan to ask them about the noticed they 've sent. I told him I had no problem making monthly payments but was just confused because I thought it was exonerated but he said no. Titan reported this " Debt '' to the credit bureau which I felt was very harsh. I 've received one notice in XX/XX/XXXX and no prior notice from XXXX before they turned the account over to titan. I do n't think its right that this account be on my credit as derogatory and I already made plans on making payments. I will like this debt off of my credit as I will continue to make payments as I always do with any of my accounts. I did n't received proper notification from titan or XXXX XXXX and its not like I 've been given chance after chance or contacted about this debt. I 've received one letter and that 's it. Now this debt is on my credit. This is so not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: BB&T CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my Equifax and XXXX credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on Equifax. XXXX states I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft.

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 2019-12-31
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance in XX/XX/XXXX. I was informed there would be a delay and agreed to a closing date of XX/XX/XXXX. 

I complied with all requests for documents. My last communication to XXXX ( loan processor ) was on XX/XX/XXXX. She did not respond. 

On XX/XX/XXXX I called ( after receiving the out of office message on XXXX   voice mail ) PNC Mortgage and inquired about a form. I received an email today XX/XX/XXXX informing me my loan would not close on XX/XX/XXXX. 

At no time was I informed there would be a delay and why am I just being notified on XX/XX/XXXX that my refinance would not happen. 

Furthermore, PNC wont provide the name of the person in which to escalate my complaint. They are informing me to send my complaint to a generic address. 

This delay has cost me time, money and leave as I have contractors scheduled to do work when Im off. I dont know if I can reschedule the leave. 

In addition, PNC should be financially responsible for this delay. I am paying for services rendered and they were not rendered timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
checking my credit report I've seen a lot of invalid information listed on my report. I am intrested in disputing all incorrect information to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: AMERICAN EXPRESS COMPANY
State: NH
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:
Payment plan set up with consumer in XXXX. 
Payments automatically withdrawn from my bank account for agreed amount. 
Each month the company was reporting my account as delinquent on my credit report. 
When I asked for it to be removed they said no l, that I agreed to a payment plan but the account was delinquent still which defeats the purpose of a payment plan. When I asked for a copy of our conversation of me agreeing to a payment plan which still held my account delinquent ( which no one would agree to ) they refused to send the transcript of the recorded conversation. 
When asked to speak to a supervisor I was told that was not possible and thats they do not have any way to remove anything that went on a credit report. Even though I was making payments and the account was still being flagged as delinquent but they never called, emailed, sent a letter, nothing to tell me the account even with a payment is still delinquent. I dont know how and account is delinquent if a payment is being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was a XXXX customer, bought by XXXX XXXX XXXX, ballooned into having to file a Chapter XXXX and during my bankruptcy, my loan was then taken over by Nationstar. Finished my Chapter XXXX, now 11 months behind and over {$100000.00} paid in interest alone in two years right under the trustees and attorneys noses, nothing to principle. Now, I 'm supposed to be current, not- and for the first three years they were listed in XXXX spots as a secured creditor, never filing their secured debt. Confront my attorney and nobody seems to know why this was allowed to happen. Now, I come out of bankruptcy, I 'm 11 months behind and my bank ca n't help me because I have to be current twelve months, to even refinance with them. The amount they valued my home when they took over was XXXX. This is lunacy that they can still continue to do this right under the judicial system 's noses and my interest is still 8.75 % fluctuating. So, basically, I 'm in a foreclosure status after paying all that money. Not to mention I was paying my own insurance and so were they, while I proved it, they made no effort to correct the issue. Nationstar sent a XXXX page payment schedule so while the courts were paying # XXXX to XXXX XXXX XXXX, the actual secured mortgage # XXXX was accruing more late charges and the payments sent to them were allocated to the mortgage then deducted from Nationstar and sent to XXXX XXXX XXXX. Therefore, the original mortgage was being neglected and actually using the court system to get more and more money. The Final cure document was not for my current mortgage it was for # XXXX not # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to open an account at XXXX XXXX and was turned down because they said " During the processing of your application for credit, we encountered the following missing, invalid or unverifiable information : Unable to verify identity information '' I was in the store and gave the clerk my CA drivers license. She verified this with the credit department. 
My XXXX credit score, as well as XXXX  and XXXX XXXX, is XXXX. 
XXXXXXXX XXXX reference number is 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