BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
IN accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of late payments from XXXX which are not validated. Filling a XXXX  complaint against this creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    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 2021-10-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
TD BANK NA XXXX Date opened XX/XX/2012 Balance -- // Late Close

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recieved a notification at XXXX XXXX on XX/XX/2019 that my XXXX credit report was accessed with out my permission. I did not authorize this company to access my credit report. Due to being a victim of identity theft I keep my credit report monitored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested mortgage relief starting on XX/XX/XXXX through loan solutions website per the directions of PHH online service for help. After not receiving a call for several weeks on status I reached out. They told me that they needed additional information in which I uploaded additional info on XXXX. Called back on XX/XX/XXXX and they said they needed additional documentation as they couldn't see anything that had been uploaded to the XXXX XXXX website even though I could clearly see my documents. They said I needed to email them so I did. 
XXXX they wanted more documents and I emailed them. 
XXXX more documents emailed. 
XX/XX/XXXX more documents emailed XXXX more documents emailed to them XX/XX/XXXX supposed to have yet another call with Relationship manager at XXXX and no call came in so I reached out and they said that they still needed another documents It is important for me to note that EACH and EVERY time I asked if this was ALL the documents they would need because I was sending the same items in over and over. I also asked if this was being reviewed by the Underwriter and if that is what he/she was requesting. I can honestly tell you that each time I talk to them they give me a different answer of what the status was is or what items are needed. I am in the XXXX XXXX and am very aware of the process and procedures and it is an absolute shame that this company is in existence. I can't even imagine what someone with no industry experience would be going through right now. I have depleted all of my savings and am pulling money from my XXXX account, etc. to make sure my mortgage stays current. What I have described above is just the beginning of my experience with PHH in trying to receive some help from being impacted by Covid. The calls above are only a few of the calls I have made. I have begun to ask if the calls are being recorded for future reference ( I tell them I want to make sure this is being documented ) and they tell me that they are. I am asking not only for my help but to help others who are in need and going through this process with a company that clearly should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Credit karma said I was pre-approved for credit card. Denied me when I applied and hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My private student loans were made and serviced by XXXX. My loan were originally on a 10 year term, but in year four or five of the loan, i changed the loan to a 20 year term. 
As a result, my monthly payments were {$140.00}. In XX/XX/XXXX, the loans were transferred to XXXX. The first few payments were for a similar amount, but then in XX/XX/XXXX, XXXX unilaterally increased my payment amount to {$1300.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted XXXX, they said that the only documentation they had was that my loans were on a 10 year term, and  therefore they increased my payments to {$1300.00}. However, XXXX is ignoring that my statements and payments for the past 4 years reflected a 20 year repayment schedule. I believe that XXXX did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of XXXX I received a letter from XXXX XXXX 's clinic in XXXX, NJ that I owed a debt for getting blood testing done at her clinic. However, I have never seen her. She is affiliated with the hospital I work for, but does not directly work for them. What we realized was that her ACTUAL patient was misidentified as me ( the clinic thinks our date of birth or last names were similar ). The clinic has access to my hospital 's central database, called XXXX, which is how she was able to access my account. My employee profile was mistakenly put as the patient 's. I actually get my blood reporting done for free through the hospital lab, as part of my mandatory yearly health screening, so I would have no need to go to a completely different clinic, pay a copay, and have it sent to a random testing company when I could do it for free while at work. 

The blood testing was sent to XXXX XXXX. While it is unfortunate the doctor 's office never resolved the issue with XXXX, I don't see why I am being asked to pay another patient 's debt. It was clearly another person 's blood being tested, not mine. 

I communicated this with XXXX on XX/XX/XXXX, when they sent me a billing notice. I called to rectify the issue, and Quest told me I had to tell them who the actual patient was since it was not me, but I told them that was impossible as it violated HIPAA. But the doctor 's office also could not tell them who it was as the patient was long gone and they didn't actually know who it was ( the clinic has no paperwork actually signed by the patient, they just took the insurance cards and IDs from my account ). XXXX  told me they would call the doctor 's office to confirm. That was the last I heard from them. 

XXXX Credit Collection Services in XXXX, MA contacted me. They claimed I owed this debt, even though I had communicated the issue to everyone involved. I asked them to prove it was me, and they could not, they just sent a bill claiming I had to pay {$170.00} for the blood testing. As a third-party company, they are not allowed to see private medical records as that would violate HIPAA. That is why they have no evidence as to who the actual patient is, they aren't allowed to have it. And that is why I know for a fact they have no reason to accuse me of having this debt. 

I went well beyond what I even should have done, as it's Dr. XXXX 's clinic that is at fault for not even doing the bare minimum in verifying who their patient was. I would Credit Collection Services to immediately remove my name from this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am approved for the XXXX. They are paying 18 months of my mortgage. Every month they send the payment to my lender and my lender does not apply it to my account in a timely manner. The grace period this month is rapidly approaching and when I call the lender they continue to maintain that they have not received it. When I speak to the XXXX, they confirmed that the payment was sent this month just like it was the last 2 months. Last month it was applied only after I filed a complaint with this agency.

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 2017-04-11
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card
Issue: Application processing delay

Complaint:
I am completely XXXX off with American Express.Their XXXX everyday card is supposed to be good but the way they handle their customers is horrible.I have been almost harrased by them.I recently moved in from XXXX to XXXX and changed my address on all my bank accounts and then applied for the card with American Express.I applied on XX/XX/XXXX.After 15 days because there was no reply i followed up with them.They said your address doesnt match and hence send us a signed bank letterhead.They wasted 15 days here and didnt care to even tell me if it wasnt for me to call them.Next thing i got it from my bank and immediately faxed them twice just to be on the safe side.After following up with them for 10 continuous days ( I am not even exxagerating ) and speaking to countless agents and their managers still i get the reply that they havent received it.So now i mailed it to them via USPS and it has been delivered on XXXX I called in today on XX/XX/XXXX and still they say the same thing.Nothing has been received. I have been literally mentally harrassed, tortured by calling them daily and speaking to some really rude agents who make fake promises of call back.I dont want anyone else to go through this trauma.I am definitely not going to receommend AMEX to anyone and even if my card comes through do you really think i will use it, i will promptly send it back.I asked them that i have waited for 40 days, i want a credit reversal on this, for that also they arent agreeing.You can check their call logs which were recorded for quality and training.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Syncapay, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a digital prepaid VISA card with a loaded amount of {$50.00} on XX/XX/2021 through a site called prepaiddigitalsolutions.com. When I attempted to use the balance of the card ( {$23.00} ) the other day, payment would not go through. After going back to the site to inquire about the account details, a message popped up stating " the card you are attempting to access has expired and pass the eligibility period for access or replacement. '' I contacted support and was advised that the card is no longer eligible to replace, however there was still an unused balance that was left on the card. I believe the money has been stolen from me without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FCRA CXXXX XXXX  INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SOMEONE USED MY ACCOUNT WITHOUT MY KNOWLEDGE AND APPROVAL. SOMEONE WENT INTO THE BANK AS ME AND TOOK MONEY FROM MY BANK ACCOUNT MULTIPLE TIMES DURING THE PANDEMIC WITH A MASK. I DID NOT APPROVE OF THESE TRANSACTIONS ; SOMEONE STOLE MY ACCOUNT INFORMATION AND TOOK ALOT OF MONEY FROM ME. I CONTACTED THE BANK AND SENT IN THE DOCUMENTS AND SIGNED THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got forced and pressured by employees at XXXX XXXX to purchase XXXX XXXX that I returned same day thought financing

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Unauthorized accounts have reported on my credit report as an inquire. 
Inquiry dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, 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 non-monetary relief
Consumer complaint received 2022-04-01
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:
My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help

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 2018-12-10
Company: WorldRemit Corp.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I used worldremit.com platform on XX/XX/2018 to transfer an amount of XXXX $ from my Checkin account to a savings account in XXXX. The amount was debited right away from my account but was never credit in the intended account where it was suppose to be. I reported this with the customer support of world remit to look into the matter via email. After a chain of email conversation back and forth I received an email in XXXX on XX/XX/2018 which says that the case is closed from their end as they could not find any information where the money went missing. 
The transaction number is XXXX The case number for the complaint is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My problem is one I can't find the answer for anywhere. I have excellent credit and until recently have had no issues when applying for credit. In the past two weeks, I have had two separate creditors tell me that my credit report is frozen and that I must unfreeze it for them to process their application. One was XXXX, with whom I have an existing credit card account that will show me my credit score ( in the 800s ) at any time, but the agent said she couldn't access that. I spent hours on the phone going back and forth between XXXX and Experian ( which is where they were trying to access the report ), and finally had a conference call with agents from each company. Experian told the XXXX rep that there is no freeze or lock, and the XXXX rep insisted there was. Experian gave XXXX a number to call to a different department, which the XXXX rep says she had tried before and got an automated response. She at this point refused to try any more and kept telling me I had to get Experian to unlock my reports, and that there was nothing more she could do to help. Based on the insistence of the Experian agents, I assumed there was a problem at XXXX and gave up. Tonight I had a different creditor, XXXX, tell me the same thing online : they can't process my application until I unfreeze my account. I have checked with Experian, XXXX, XXXX, and they all say my credit reports are not frozen, locked, and none have a security alert, that everything looks fine. But with 2 creditors telling me I'm frozen, where do I go for help?

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 2017-06-14
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: Public record information inaccurate

Complaint:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I FIRST was informed of this debt XX/XX/2022. I have NEVER received a bill from this electric company saying I owe them. I never received a letter or bill or phone call from ANYONE including the " second '' creditor not this last one TransWORLD XXXX. when I saw this on my credit report I attempted to contact ALL of them to resolve this because a credit report should not be the first time I hear of a debt from 3 years ago. The fact of the matter is I am a single mother with XXXX in college and I got denied a Direct Plus loan for my sons tuition all because of this bill I am unaware of. I have XXXX debt aside from student loans and I am careful about this. That home at XXXX XXXX XXXX has MANY people living in there and they must have used my information without my knowledge. I really ; y dont know but I am trying to get it deleted so my sons loan may get approved. After I spoke to Transworld about this issue it is causing my son, they agreed to delete it, but then pressured me to give them my credit card info then used language to create a barrier and trick me into paying for something that does not belong to me. My son will get kicked out of University of XXXX XXXX if I dont get this resolved and it has contributed to XXXX for both him and I. Nothing is more important than my credit and his school right now. Please understand this is so unfair.

Company response to consumer: Closed with explanation