BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had an credit card with Capital One with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. Capital One stopped communicating with us after we closed the account. In XXXX XXXX XXXX put an item on our credit report claiming that we owe {$1200.00} on the closed Capital One card. They claim that the account was not closed and that Capital One increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX & XXXX to avail. XXXX XXXX claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that Capital One secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation XXXX XXXX has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Sterling Infosystems Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX ran a background check on me and shared the results and it came back with inconsistent information due to someone else shown using my SSN. I am the true owner of the SSN and have a lifetime of passports, paystubs and i9 verifications to prove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Santander has obtained my personal account information, violated my confidentiality by falsely reporting fraudulent information on my credit report. I have the documents necessary to substantiate this claim. This very dishonest, Santander Consumer has also defrauded with XXXX XXXX XXXX to illegally and deceptively obtain money that was due to me. From the application of credit ( for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have requested a validation of this alleged debt resulting in them ( Santander Consumer ) sending a null and voided contract. I also reported the credit to IRS via 1099b. Santander has also voided and rescinded and purchase ( XX/XX/2022 ) I can show receipts of payment history because I actually had been in honor of the contract. However for the initial purchase of the first vehicle ( XXXX XXXX XXXX from XX/XX/2022 ) there was never one payment because Santander XXXX rescinded that contract, I have no payment history with Santander obviously because I reported them to IRS, yet Santander has an animated payment history. I can prove fraud. I want the XXXX Santander Consumer has defrauded my insurance company for, I have been injured as a result. XXXX XXXX has the false payment history I also has copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account DEPTEDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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:
Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX did a identify theft report on me cause someone at the bank was using my name and social security number to open and close bank accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: MIDFIRST BANK
State: CO
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:
Midland mortgage has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to XXXX XXXX to rectify drops in my credit score due to false reports from midland mortgage. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: BARCLAYS BANK DELAWARE
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've filed a complaint on this creditor before about this identity theft debt and was told to reach out to the creditor and ask them to furnish me with proof that this debt belongs to me, I have sent the creditor barclays bank certified letter request that they furnish me with proof that as documentation that this debt belongs to me, but barclays failed to provide me with the specific documentation requested, its a matter of fact they provided with no documentation what so ever, all they did was write a two sentence letter stating that they received my dispute an that it is accurate with no proof or documentation to back it up, according to the fair credit reporting act, if a creditor can not furnish proof that for a debt was when there's a dispute they must remove the debt off the consumer 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 2017-08-24
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
This complaint is regarding intentionally deceptive business practices engaged in by XXXX XXXX. During XXXX 2017 I entered into an agreement with XXXX XXXX to refinance existing student loans. The rate I selected was a variable rate that was pinned to 1 month Libor. Per the final disclosure documents I received, this rate at inception of the loan was 3.32 %. However, upon entering the loan, I found the opening rate not to be 3.32 %, but rather 3.56 % ( a 24 basis points difference ). I have been in contact with XXXX customer services for weeks to no avail. I have supporting documentation for this claim and am myself very well versed in financial concepts and disclosures as I myself am a XXXX This intentionally deceptive company needs to be reprimanded and consumers made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Starting back in XX/XX/XXXX Bank of America mishandled my prepaid account I was receiving my unemployment  benefits on. Bank of America Blocked my account due to identity verification which I resolved immediately. They blocked my account for 4 months. As a result I ended up XXXX. Lost everything I owned In the process. Once my benefits were reinstated a few months down the line on XX/XX/XXXX I was involved in a car accident which landed me in the hospital for 3 weeks. lost my wallet in the process someone gained access to my account and made a few wire transfer via XXXX XXXX all transfers totalling {$4500.00} I called Bank of America to file Claim # XXXX two days later it was denied. I resubmitted over and over for the next few weeks each time faxing supporting documents and the outcome was still the same. Eventually I gave up because no help from bank of America. Almost 2 years later I still continue to XXXX XXXX XXXX XXXX   with my dog as a result of bank of America failure as a financial institution. I would like help with this issue.

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 2017-08-24
Company: ProCollect, 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:
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants reported a debt for XXXX XXXX XXXX on my credit report. Thy did not attempt to contact me for any verification of debt. Diversified Consultants reported to all 3 credit bureaus {$150.00}. This was for unreturned equipment. I contacted XXXX XXXX XXXX and my account reflects that I do not owe them {$150.00} because I returned my equipment. Had Diversified Consultants followed the law and mailed me a letter to verify the debt this could have been resolved before they placed it on my credit and caused my score to drop over 30 points. This has been an undue burden on me financially, caused by the negligence of Diversified Consultants, and I want this negative reporting removed from all 3 bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent them a letter by certified mail to verify my debt and to date they have not. Also sent them a letter to stop calling me and they still do. They just called on XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Someone used my personal information and applying excessively for credit and i called Transunion and their customer service would not help and take care of the negative inquiries reporting to my credit report. Ive been 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 explanation
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home and a lot in XX/XX/2001 for {$350000.00}. I put down 77 %, I financed {$80000.00}. 

I have refinanced and modified my mortgage. The big problem started with the loan from Countrywide. They added {$200000.00} to my principal Balance then Assigned it to Bank of America. Bank of America put me on a trial period for 18 months. Denied the loan modification and had the current loan servicer XXXX modify the mortgage. 
XXXX added another {$350000.00} to the mortgage and made it for a balloon payment after I pay this mortgage for 30 more years!. Both Countrywide and Bank of America has caused me tremendous equity loss and opportunities. They threaten my existence in my home. They said that if I didn't sign the mortgage that they would foreclose immediately. I believed them because I have seen it. They are trying to foreclose on my house and my lot. They didn't serve me and were trying to just have the court rule on the papers. I found out by receiving the papers in the mail a few days before and requested an Adjournment. 
Now, I have been asking XXXX for the reinstatement amount to bring my mortgage current after a few months. The Bank is trying to foreclose on my home and lying about having an interest in my lot. They have no interest in my land. When I took out the Countrywide and Bank of America loan, I continued to pay my own lot taxes. Please see attached tax account details from my Towns Tax Office. I have had the title in my name only not theirs ever. Their Title excludes my lot. 
I have to fight them in court now. This has been the most disturbing thing in my life. I can't do a lot of things because of the bogus loan amounts. 
I have a buyer for my lot and this is causing harm to the transaction. At this point, I should have my home free and clear along with {$200000.00} to fix it up. it's truly a shame that a Bank can be allowed to place any amount on a mortgage and then lie about the process and try to take property that isn't theirs. 
I hope and pray that you get the lenders to forgive the loan in it's entirety due to their abuses.

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 2017-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
transaction occurred on my account that was fraud, amount XXXX and I called my bank " chase '' with in days matters and issued my claim and a day. later I was told because I log in my account and did not report right away they denied my claim and I 'm not able a refund! witch is crazy because it was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with XXXX with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was modified by Ocwen and taxes and insurance were to be escrowed. 

We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. 

We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. 

This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. 
I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.

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 2017-08-24
Company: Early Warning Services, LLC
State: TN
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:
E arly Warning continues to list an account I had with XXXX XXXX XXXX as fraud-related. I 've attempted numerous times to have this negative listing removed to no avail. I 've initiated disputes with Early Warning and XXXX XXXX XXXX and both have refused to remove the inaccurate listing.
There is no evidence of a debt owed and no evidence of fraudulent activity. I 've contacted XXXX XXXX XXXX and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the negative item. The listing remains inaccurate, incomplete and not verified.
My last communication with Early Warning was on XXXX XXXX 2017, in which I requested removal of the XXXX XXXX XXXX account. To date, this negative listing is still on my consumer report and is severely impacting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call to my cell and to my home phone from Oracle Financial Group, LLC A XXXX XXXX left threatening messages stating I am being accused of fraud with a local financial instiution. 
I called the number and was called a liar, I do not owe this debt and I also looked up other complaints against this debt collector. 
I have no unpaid debts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation