BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: CCS Financial Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, This account that I am disputing, XXXX has been on my report before and I went through the credit bureaus, and they could not find anything tying me to this debt and it was deleted back in XXXX. A few months ago, I was contacted by the same company, and I told them to contact me by mail. They contacted me by email on XX/XX/XXXX and I wrote them back XX/XX/XXXX asking them to provide proof that I have this debt. They never provided proof and just added this to credit report. I have proof showing that I contacted XXXX during the 30 days for them to provide how I am tied to this debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear CFPB, I spoke with XXXX at Capital One ( Employee ID # XXXX ) on XX/XX/XXXX who was unable to resolve my issue. 

I am writing in response to my credit card accounts that were closed in XXXX. Before my accounts were closed, a Capital One representative promised that I would be able to redeem my rewards at any time and that I had nothing to worry about. However, when I called in the redeem the rewards, I was not allowed to do so. I attempted to redeem my rewards online and that failed too. 

I had {$4700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$3500.00}. 

I had {$2700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$1300.00}. 

Because I was unable to redeem my rewards to pay my balance due, CapitalOne pushed my accounts into over due status. CapitalOne charged me interest on both of my accounts amounting to hundreds of dollars for late payment. 

I was charged {$290.00} in interest on my card ending in XXXX. 
I was charged {$140.00} in interest on my card ending in XXXX. 

In short, CapitalOne broke its promise to me as a customer. Capital One seized my no-hassle rewards. This pushed my card balances into late payment status. And Capital charged me interest that it had no right to charge me. 

I had no choice but to pay the balance and the unearned interest, because CapitalOne threatened to report me to the credit agency. 

As a XXXX XXXX XXXX and a XXXX  without easy access to credit, I feel I have been taken advantage of. CapitalOne is a bank run by a privileged XXXX  male, who took advantage of me and abused his power to turn a profit and broke its promise to me as a customer. 

I would like CapitalOne to honor its promise to me and send me the rewards cash in the amount of {$7500.00} plus refund me the {$430.00} interest that CapitalOne charged me that CapitalOne were not entitled to. 

I have attached screenshots of the final account balance and rewards cash of each account. I have also attached statements showing the monthly interest charged to me to which Capital One was not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: MI
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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2023-11-13
Company: The CMI Group, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to XXXX  the original debt collector they couldnt find the account nor had any information to assist

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law .I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 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 2022-06-28
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: Information belongs to someone else

Complaint:
I have identified information on my report that re a result of identity theft these items are not related to any transactions completed by me. XXXX XXXX XXXXXXXX XXXX XXXX, Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX these are the companies that are listed that are not associated with me. There are also addresses that do not belong to me- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I'm attaching ID doc, because Equifax has been known to stall stating they cant Identify you, yet they can add incorrect harmful information on your credit file. 

By law, they have XXXX days to correct this, not XXXX. 
15 USC 1681 ( C ) 2, related to blocking of information regarding identity theft. Fraud and related 18USC 1028, Consent to release 5USC 552 ( A ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: TX
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 DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: AL
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 fair Credit Reporting Act. The List of Accounts below Has violated my Federally Protected Consumer Rights to Privacy and Confidentiality Under 15 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report-by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-28
Company: EQUIFAX, INC.
State: AL
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 fair Credit Reporting Act. The List of Accounts below Has violated my Federally Protected Consumer Rights to Privacy and Confidentiality Under 15 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX  HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report-by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is regarding my Comenity Bank Visa card. The card is now being declined and The website can not be logged into. I cant make a payment for this reason as well. Their phone center is turned off. There is no way to contact them at all, and now there is a fear of being hacked,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EAST WEST BANK
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about the XXXX of XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX XXXX XXXX account via wire in the total amount of XXXX USD utilizing East-West services Scammers Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Bank account XXXX XXXX ; XXXX XXXXXXXX account # XXXX ; XXXXXXXX XXXX account # XXXX ; XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX 

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 an account without my written instructions.

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 2020-04-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage Corporation ( PHH ) of Florida currently services my existing 30 year fixed rate home loan. On XX/XX/2020 I called PHH Mortgage in response to an email offer to refinance my house. The PHH representative offered me a fixed rate of 2.75 % on a 15 year loan to refinance my existing home loan with PHH. I declined the offer, explaining that I had a better offer from a different lender. Today, I received a loan refinance package from PHH fora fixed rate of 6 % on a 15 year loan. 

I called PHH earlier today and asked to speak with a supervisor regarding this issue. The lady I spoke with said the supervisor on duty was busy and that she would have the gentleman call me. I have not yet received a call back. 

This seems like predatory lending practices and am reporting this for the following reasons : 1 ) The refinance package I received today is 6 % for a 15 year refinance, which is more than twice the rate I was offered on XX/XX/2020. This rate is also significantly higher than rates for similar products, especially given my excellent credit score of over 800. I am attaching a copy of the Loan Estimate and a copy of my credit score as provided in the PHH refinance package.

2 ) I received a refinance package today, even though I verbally declined the offer on XX/XX/2020. 

3 ) The lady I spoke with from PHH on XX/XX/2020 said she just had a couple of questions to get me a rate. She proceeded to walk me through the entire application process, explaining the whole time that it was just another couple of questions. I felt like I was being fed the elephant 1 bite at a time, but kept going on the assurance that we were almost done.

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 2022-06-28
Company: EQUIFAX, INC.
State: TX
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 Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions

Company response to consumer: Closed with explanation