BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company 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 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has been holding my ppp loan funds frozen for 7 months. I previously filed 2 complaints regarding the same issue but capital one never did what they said in their last 2 responses. In the last response they said they would be returning the funds to XXXX the lender i received the loans from, before XX/XX/2021 BUT NEVER DID. Actually they closed my account but the funds in the account of the XXXX loans total of approximately {$70000.00} were never sent back to XXXX nor they given me the funds. So Capital closed my account and {$70000.00} disappeared illegally. So capital one Closed my account with a {$70000.00} balance, withdrew the funds and kept the them. They also claim they cant tell me where did the money go. I contacted XXXX who sent capital one an indemnity form after Capital one requested that, including all information for the return of the funds BUT CAPITAL STILL HOLDS And UTILIZE MY FUNDS TO THEIR OWN UNETHICAL GAIN AND BENEFIT. So i would like to know where are my funds and why they weren't sent BACK already?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NJ
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:
This company is still reporting information that I do not recognize XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage modification in XXXX and within the 3 day period, I rescinded agreement. Apparently, the company ( Ocwen ) did not honor the fact that the modification had been rescinded. The loan matured on XX/XX/XXXX. I was expecting the 15 year loan to be paid in full by this date. 

Instead, I'm told that I owe in excess of {$39000.00}. The loan started off at {$44000.00}. I found out that I was put into an interest only loan. Originally, I only wanted to save some money by doing a modification. I decided to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt does not belong to me. Please remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: OneMain Finance Corporation
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:
On or around XX/XX/2022 I became aware that my personal information was used to take out a {$1800.00} loan with One Main Financial. Within the course of several days after that I did what they asked and provided a signed notarized affidavit, police report, and my Driver 's license. I took further steps and froze my credit and put a fraud alert on my account. A couple of months pass by and I received a call from the XXXX XXXX at the local branch saying that the fraud department deemed the account as not fraud and they were going to collect. I was of course amazed and wondered how they came out to that conclusion. I contacted the fraud department and they said they sent a letter ( that I have yet to receive ). They said that if I want any further information that I have to issue a subpoena. They refuse to disclose their findings and ask that if I want them to reopen the investigation that I need to submit more information that will help them further investigate, but I already sent them everything that they told me to send and without my file I am unable to present contradictory evidence. On XX/XX/2022 I sent them a certified letter explaining my position. On XXXX I get a call from the local branch trying to collect and I reiterated that I reported the account as fraud. The representative ask that I send a copy of my bank statement. On XXXX I send a copy of my bank statement to the local branch. I also send the same bank statement to the fraud department to reopen the investigation. In the course of this they also wanted me to send an updated police report naming the suspect which I was not able to obtain because the police department will not release an unredacted police report to me only to an attorney or a police official. I tried to explain this to the company, but they said that they will not work with the police that is something they don't do and unfortunately they need an unredacted police report. Today on XX/XX/2022 only 1 day after me providing my bank statement and letting them know that I was not able to obtain an unredacted police report they said they closed the investigation and found no fraud and were going to collect the money owed. The account is also still being reported as late payments and reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: T.S. Holdings
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had rats and no air conditioning in my apartment. I had to move to a hotel at the request of the management company. Movers refused to enter the apartment as there were live rats running around the apartment and dead rats in traps not cleared for weeks unless a {$2000.00} premium for risk was paid. ( XXXX XXXX did nothing for 2 months being aware of the problem ). I submitted bills in excess of {$8000.00} of which XXXX signed for and refuses to pay for ( legal pending ) Instead the same day XXXX sent a questionable file to I.Q. Data International who contacted me. I told them the story but no matter what I told them they ignored and continued calling me about this questionable debt. I told them that I will have to go legal against XXXX for this debt. For some reason I.Q. Data International put a higher amount on the XXXX file. They did not investigate what I told them or even their client. If they did they would see XXXX has a history of this. I DO NOT OWE ANYTHING AND XXXX XXXX OWES ME MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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:
On XX/XX/2019 I spent 4 hours trying to reach customer service to freeze my credit, could not.

The recording said " If you don't want to wait online hit # 1 to leave a callback number.

I did so three times, each time I got a busy number.

I tried again on XX/XX/2019, after 4hours and 40 minutes I gave up, again I tried 4 times to leave a callback number, each time I got a busy signal.

This is unacceptable, there are thousands of complaints against Equifax.

Why are they allowed to do this?

Something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
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:
I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX CARD ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. NEITHER CREDIT BUREAU IS SHOWING A ACTUAL ''CLOSED DATE '' or ''VERIFIED DATE '' FOR THIS ACCOUNT.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX CARD ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2017-08-17
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a pre-paid debit card from giftcards.com ( part of the Blackhawk Network ) on XXXX  loaded with {$500.00}. On X/X/2017, I took the card to XXXX and used it to pay a bill. The bill was for {$5000.00}, so I had to split the payment. The bill pay did n't go through due to a technical issue, and the full amount was refunded to the pre-paid debit. I tried to use the card several days later after the amount showed up on the card ( per giftcards.com 's online balance checker ), but it was declined. I called customer service on X/X/2017 to see why this happened, and they told me that they would look into the incident ( ticket number XXXX ) and get back to me in one to two business days. I called giftcards.com again on X/XX/2017 to inquire about the status, and was told that they had stopped working on the ticket, but did n't tell me. I spoke to several people including the supervisor, and they repeatedly told me to resolve it with XXXX, even while admitting that they were holding my money - XXXX does not have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17
Company: EOS Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX - Representative asked for my by my former name. I asked " Are you a debt collector '' she kept telling me she could n't say until I verified the account which is in violation of FDCPA 807 False or misleading representations - ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. The debt in question is currently in dispute with the company who sent it over to this collection agency and I 've advised them of this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I flew from XXXX  to XXXX on the XXXX pm flight with Spirit Air. On this flight I was told that if I applied for a spirit master card and was approved one of the benefits I would receive would be a free carry on for all flights booked with the spirit master card. I was approved and as I went to book my flight learned that this benefit that was communicated to me but the spirit flight attendants on this flight was incorrect. I have spoken to ten different representatives across various departments and have been told each time that there is nothing that can be done. I now have a credit card that does not give me one of the benefits that was promised to me.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Account # 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.

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 2017-08-17
Company: AES/PHEAA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Re : XXXX/XXXX studies at the XXXX XXXX XXXX XXXX ( XXXX ) / DOE Code : XXXX / ( XXXX ) - address XXXX. XXXX XXXX, XXXX XXXX, XXXX. Since DOE revoked the eligibility of XXXX, I applied for DOE deferment ; it was denied. Myfedloan then put the loan in IDR. Now Myfedloan put my IDR on hold. I can not make any payment, at this time. After XXXX lost its DOE eligibility, some of my colleagues did not complete MD and dropped out and became a member of " Wasteland of Education ''. I worked my way around this unjust system and found grant donors/loan lenders from XXXX to continue to study at XXXX. The education is valid within the entire XXXX and eligible for certification by the XXXX XXXX XXXX XXXX. Now I am doing XXXX in XXXX together with PhD in XXXX XXXX. I prioritize finishing the education started. The money I earned here is barely enough to pay my cost of living and studying over here. I can not make any payment to MyFedloan. Without at least IDR, this loan account will end up in unsuccessful collection. I need 4-6 years to finish. Then you will get your money back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I applied and was approved for a modification on my equity line of credit which was about to balloon. I made all trial payments to the Bank of America. The bank marked me as late both 30 and 60 during the time period when I was making my trial payments. I was never late and fully complied with the bank 's requirements. They have continued to report me late, ruining my credit and now can not refinance my home. I called the bank and spoke with customer service several times only to be shunted around from person to person.

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 2022-02-04
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX   account. please delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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: Information belongs to someone else

Complaint:
Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXX XXXX. I was in because I was 1 of the 300 top wage earners in the maintaince dept. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX  XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's XXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still Equifax for sure and maybe others. I haven't even been able to look at Equifax becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.

Company response to consumer: Closed with explanation