BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-06-20
Company: Southwest Recovery Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A business account was opened at some point, and closed by XX/XX/XXXX with the closure of the entire business. New charges continued to be placed on the account after XX/XX/XXXX. My name was on the business account when it was closed. Multiple parties including members of the board of directors of the now-closed business and bank officials for the business checking account have interacted with the claiming company and/or collectors on behalf of the claiming company. Around XX/XX/XXXX I asked a collection agency rep to send me a paper statement of the amount owed and all details, and verified my home address to the rep. I never received this mail and for a long period of time the calls ceased. I believe now that the claiming company has opened up a new collection account which is negatively impacting my credit report, from XX/XX/XXXX to present. I did not even know this was back in collections because I received no notice- I only found out when denied for a personal auto loan and this has been in effect for over a year.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To my recent complaint to Capital One that it does not provide the same level of services to consumers who do not communicate via telephone, Capital One responded : " Capital One is committed to providing accessible products and services, and we believe in financial independence for everyone. We wanted to let you know that we can provide reasonable ADA accommodations as needed. Please know that one option for closing accounts by phone, is by speaking with one of our associates using a relay service. Keep in mind that you may also be able to use a relay service through the internet rather than telephone, known as Internet Protocol ( IP ) Relay Services. For more information on IP Relay Services, please visit http : //www.fcc.gov/guides/internet-protocol-ip-relay-service. We can also be reached using the free National Relay Service by dialing XXXX. '' Capital One response indicates a certain level of disregard to the needs of a minority group of consumers who prefer not to communicate via telephone neither by using vocal chords communication methods nor using any relay services or teletyping. 

Capital One representative responding to the complaint manifested arrogance and unawareness when addressing the issue. The alternative methods that Capital One representative suggested are not appropriate for all consumers and represent a significant burden for many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been discharged and I need them to be deleted, as well as all other paid off accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I first Disputed item " XXXX XXXX XXXX Partial Acct # XXXX '' on my Experian report in XXXX XXXX, and it came back verified. I disputed again on XXXX XXXX, XXXX, and once again it came back verified. 
Please see attached signed XXXX certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their XXXX XXXX XXXX XXXX have any record of me or this alleged account. 
Attached is also proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are the same company. 
Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Experian. 
I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 
Please find all relevant documents and Certified Mail receipts attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: GA
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:
Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX  , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX  , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}

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 2022-02-23
Company: Chime Financial Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card with account deposit slip from Chime. I did not open this, it is fraud. I contacted chime at support.chime.com to close out the account, the number listed no one picks up. 

phone number is XXXX The card number sent to me is # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from Vance and Huffman saying I owe a debt. I disputed the account in question and did not hear back from them. I found out today that there is a collection on my credit. Called them and a person answered stating they are with a law office and her name and how she may direct the call. Come to find out that they are not a law office but in fact a third-party debt collector. Spoke to XXXX XXXX and he gave me the login to look at the documents. In the document list is a Credit Disclosure that is not even for me. This concerns me because I have no relation to this person and makes me worried about what information of mine has been leaked to others from this company. I brought this to the attention of XXXX XXXX and he boastfully denied that this ever happens, and they do not make mistakes. I have the screen shots of it showing on the portal. They are not willing to remove the account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I had bought a brand new Toyota XXXX not too much later I think like three or four months later somebody hit me and my car was totaled out I tried to use the gap insurance but they said it didnt cover something Im not even sure what but I tried to get Toyota to take care of it and the problem was like 1200 or {$1800.00} difference that I still had to pay but I tried to get the money back from all the services or product state sold me that I wasnt even aware of the money back from all the services I didnt use to cover the rest of the loan payment I guess and Toyota never responded to me they just kept putting me off putting me off putting me off its XXXX Toyota XXXX XXXX XXXX XXXX XXXX in XXXX Wisconsin I tried my hardest to get them to rectify the situation because it was damaging my credit and to this day I call them literally every 2 to 3 months to find out if they are going to fix it and they still have not gotten back to me please help I need my credit fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am SO grateful and thankful to the CFPB for your investigation of Ocwen. I have submitted a FOIA request asking for verification of Ocwen 's fulfillment of the XXXX payment requirements of the US District Court consent judgement. 
My complaint ; what about the additional Ocwen victims not covered in the US District Court Consent Judgement who were forced into unnecessary forced bankruptcies to avoid unsubstantiated foreclosure by Ocwen. Forced to spend money on attorney and bankruptcy fees, unsubstantiated costs while in bankruptcy and the consequences of a bankruptcy on one 's record. These victims have not been abetted. 
I think that if I started a blog requesting victims respond I am of the opinion numerous victims would respond. 
When forced to file my unnecessary bankruptcy the bankruptcy judge asked me " why are you filing bankruptcy with only 1 creditor ( Ocwen ) and all this money in the bank. '' I told her Ocwen refused to communicate with me even though I tried calling, emailing, mailing to no avail and that it was a culmination of a 20-year battle with Ocwen trying to steal my home. 
I can tell you if it was not for the CFPB and the Texas Attorney General 's office soliciting a response to my complaint about Ocwen while in bankruptcy, Ocwen would not have followed the provisions of my bankruptcy. They had already operated in the bankruptcy contrary to Consent Judgement Settlement Term Sheet, Paragraph 1 Foreclosure and Bankruptcy Information and Documentation and sent me numerous letters referencing actions and making demands that were contrary to the requirements of the bankruptcy. My complaint, once again what about the victims forced into unnecessary bankruptcies?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX that is part of bank of America made business decision to close my accounts that benefits them at my expense and liyed to me about what they do and did not keep there promise

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 2022-02-23
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying since XX/XX/2021 to obtain a VA Disaster Modification OR a VA Covid Partial Claim. NO ONE and and I mean NO ONE has tried to help me get my mortgage back on track and I have never been able to speak with a supervisor or my dedicated Loss Mitigation representative to obtain assistance with this matter. It seems that your company wants me to go into foreclosure and lose my home. This is very disappointing. 

I have tried to appeal the VA Disaster modification decision and explain that I can make the mortgage payment even if the payment increases but NO ONE has offered to assist me. I have asked for a VA Covid Partial Claim and NO ONE has submitted the request for review. I am told that I must submit a full Modification Application with all documents to be considered for loss mitigation options. But, when I speak with the VA Regional Office they said there is a streamline ( no document ) option for VA mortgage borrowers that does not require a modification application. Again I can not get any remedy with your company because NO ONE is calling me to provide me with clear instructions on how to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX approximately 200 dollars was stolen off of my DETR unemployment debit card ( Bank of America ). I promptly filed a dispute with BOA .Within a few weeks in mid XXXX I was notified by Bank of America that they were not pursuing the matter any further & they were closing the file. XX/XX/XXXX my card was declined at a merchant & subsequently my card/ funds were frozen Without any explanation from Bank of America ! Every time I would call BOA they would tell me to contact DETR & theres nothing they could or would do about the situation! DETR would tell me speak to BOA. On XX/XX/XXXX I submitted verifying documents drivers license, social security card to DETR & was told they would be forwarded to Bank of America & my card would be unlocked to access my funds, so far As of today XX/XX/XXXX I havent heard anything from BOA! I am beyond frustrated with the slow pace & lack of transparency of this situation. My bills are pilling up & I am struggling to make ends meet. BOA has had more than enough time to rectify this situation! I sincerely hope by filling this complaint I will receive some action on the situation being that my financial situation has grown dire because of negligence by Bank of America!

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 2022-06-20
Company: AmeriCollect
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 AmeriCollect, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MD
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:
XXXXXXXX XXXX XXXX XX/XX/2021 ; ThIS Inquiry is reporting on my personal credit file with ( Experian/XXXX ) credit reporting agency. This Inquiry was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX is an account shown as closed on my TransUnion credit report. I have absolutely no previous business with this company. I dont know who this company is. I need this to be deleted and removed from my credit report immediately please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2015-10-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan. XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment XXXX online payment website and they had XXXX different credit cards saved under my name and account information. XXXX is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that XXXX does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. XXXX is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. XXXX lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.

Company response to consumer: Closed with explanation