BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened my card through XXXX XXXX  and it was handled by Elan Financial services. The card had 20 months of 0 % interest on purchases and balance transfers. I had made a balance transfer and made several purchase that the 20. months expired XXXX of XXXX. I paid off the balance transfer in XX/XX/XXXX. I attempted several times to pay off the purchases before the expiration of the promotion. Each time the payment was directed to a balance transfer that expires XXXX of XXXX. After each payment I would call Elan to  verify if it went towards the purchase, Each time I called they would say no only after the minimum payment was paid would it go towards the purchases balance. I paid the entire purchases balance on XX/XX/XXXX. Upon calling to verify it went to cover the purchases, I was told it was not, but would automatically correct itself when the statement was issued. When my XX/XX/XXXX statement was issued I was charged interest on the purchases. Upon calling once again and speaking to a superviser to find out how to pay the purchases off I was told by the supervisor that I would have to pay off the entire card. If I didn't, any payments would be directed to the balance transfers that expire XXXX of XXXX and one expiring XXXX of XXXX. I paid the entire card off minus the interest charged. Basically, I was scammed into paying unavoidable interest and charged balance transfer fees for an unusable promotion, that I would not have incurred if the over 20 phone calls someone would have told me that I would be doomed to pay interest charges and the 0 % promotions were scams

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 2020-06-19
Company: Reliant Capital Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Requested Feedback not provided as of XX/XX/XXXX for my certified letter - USPS, nor first, yet additional, request for validation of debt owed. 

In letter, I stated I would establish a payment plan if the school agreed to the arrangement ... this occurred prior to COVID19 and full lockdown at the state level. 

Additional time was given due to COVID19. 

XXXX in XXXX charged XXXX to XXXX dollars and this range was sufficient and what I referenced in reestablishing a payment plan, which I would start sending payments on a weekly basis ( as of XX/XX/XXXX due to current work arrangement and unemployment stimulus if current employment ends ) ... previous agreement prior to XX/XX/XXXX feedback request was on a limited part time employment basis with some SSDI funds available after bills and rent. 


To my knowledge, as of XX/XX/XXXX no validation of debt have been completed and are required per the consumer protection laws, if not completed the false reports on the creditciles have to be removed. 

I was never on campus in XXXX nor after XX/XX/XXXX to establish any new loan agreements for funds from XXXX or their affiliate Reliant Capital Solutions. 

I do not owe any amounts ranging from XXXX to XXXX dollars, but I'm definitely aware of the range from XXXX to XXXX and am open fo paying those according to our prior payment arrangement with XXXX Cashiers Office, as indicated in 1st request for validation of debt prior to XX/XX/XXXX feedback request. 

Any additional attempts to collect these amounts are further retaliation efforts, which need to not only be documented, but forwarded to the appropriate Department of Education and other overseeing agencies to ensure all parties can resolve this by way mediation ... if taken to trial, certified letter is evidence of educational Institutions noncompliance and complicit nature in prior investigations and efforts to resolve the XXXX to XXXX balance ( most a counting came from on campus living arrangements. 

All affiliated efforts to collect this account without validation need immediate removal from all credit files by both third party ( who I already have no contract with ) and original creditor ( who I have sent validation requests to ). 

Damages have no been requested at this time, but accurate information is ready for processing if needed for this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MD
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
have been a member of transunion reporting service for over 10 years, went to check my report the other day and my service was cancelled and i was told i need to reapply and pay double my old rate. my credit card was still active and yet we never received any messsages about why they would have cancelled the service. they claim my card had expired yet it is could through XXXX 2016, then they said i cancelled the service which isnt true. when we contact them they shift us from on uneducated foreign speaking person to another. then they will not let us speak to a manager to escalate the issue and then finally provide us with name of a person who when we call to talk with him he is never in. finally whoever then we are routed to wants to start he discussion from scratch as if they have no notes of our complaint or our conversation. we have also filed a complaint of consumer frauf with the illinoi attorney generals office

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 2016-05-16
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX paid loans from XX/XX/2006 that show eight late payments that need to updated. I was not late. I was actually in school at the time at a new school. I paid these off in full, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me

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 2015-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Other

Complaint:
Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I first started paying back my loans in   XXXX   Navient stated my payment would be {$150.00} a month. When I received my first bill in  XXXX  of     XXXX   my first payment was actually {$170.00} dollars. They also stated I was enrolled in a program where I would pay for 120 months. Turns out, Im not enrolled in that program. They state I make too much money to be on an income driven payment program and that is why my payments are {$170.00} a month. But oddly enough, I have two other loan companies, My   XXXX   XXXX   and  XXXX   XXXX   XXXX  and I am on a repayment income driven plan with them. If all loan companies are supposed to follow the same guidelines because they are overseen by  The  Department of Education then why am I not qualifying for income driven with  XXXX . I work for a non profit organization and do not make that much money. It is difficult to stay afloat when I have to pay my student loans on top of the rest of my bills. The other two companies have made it easy to pay/ Navient refuses to enroll me in the income driven program

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Numerous calls from numerous numbers, but all from Wakefield and Associates, purporting to be collecting a debt from someone I have never heard of. I explained that I am not the person they are seeking and have asked repeatedly to be removed from their list. They claim to have taken me off, but the calls just keep coming every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Old information reappears or never goes away

Complaint:
Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.

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 2017-09-10
Company: Assured Financial Partners
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : Assured Financial Partners File : XXXX Original Creditor : XXXX Account : XXXX Please see collection agency information below. 
First Equity Alliance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: PA
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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They DO NOT have my permission to report these LATE payments to XXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXX XXXX and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CREDIT COLL ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Brelvis Consulting, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Spoke with a agent with student loan hrlp center about consolidating my loans to get them paid. In doing so i was not aware of them being a third party lender. So i asked them to cancel it and they would not. While going back and fourth with them i filled out an application with XXXX and it was a way better program. My first payment will be on XXXX. But this third party lender has taking payment in which i did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: IL
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 day inXX/XX/XXXX30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT ED/XXXX Account Number : XXXX 90 days late in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, 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 contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX  states the charges " remain '' XXXX  Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: GA
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted your organization in XXXX 2016 regarding my mortgage with GREENTREE SERVICING/DITECH. Approximately two weeks later I received a MAKING HOMES AFFORDABLE packet to apply for help. This info. was dated XXXX/XXXX/16. The very next day I received a second packet from DITECH stating they received my application and they determined it was INCOMPLETE. They listed what was missing. How is this possible since I had only received my application the day before. So, the next day I received a letter from DITECH stating I was ineligible for their Home Affordable Modification Program because and I quote " WE SERVICE YOUR LOAN ON BEHALF OF AN INVESTOR OR GROUP OF INVESTORS THAT HAS NOT GIVEN US THE CONTRACTUAL AUTHORITY TO MODIFY THE LOAN UNDER HAMP. How many consumers have these same issues with GREENTREE/DITECH? As I reported to you previously, I attempted to get help through this program before and got the runaround from GREENTREE. It was the same scenario then. They said incomplete paperwork etc. Everything was there. I had made copies. I have the letter from them and everything I had sent them. They are the worst. I pay 10 % interest on my mortgage and it is absolutely crippling me. They do nothing but take the money and do n't care about the consumer. HELP. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation