BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX the group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " XXXX XXXX I, XXXX, '' which showed Capital One, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But XXXX 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the Capital One card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of XXXX but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
XX/XX/XXXX@XXXX. My old Western Union account was compromised. I had n't used this account since XX/XX/XXXX. Someone stole my information and made several money transfers to XXXX, XXXX XXXX. I spoke to XXXX at Western Union and told her I never made these transactions and she told me not to worry about it, it 's just a spoof. I demanded to be transferred to a supervisor. XXXX ( employee number XXXX ) told me my account had indeed been hacked and my information and my son 's information was used. My name, address, social security number, telephone number, my credit card number, my son 's name XXXX XXXX and his old telephone number XXXX XXXX. Per XXXX, XXXX XXXX used a passport to pick up the money and he has a credit card in my name and transferred money. XXXX would n't send me a fraud email because it 's against Western 's Policy. He provided me with a fraud number. I 'm displeased with Western Union for the simple fact they downplayed their hacking issue. XXXX told me only my Western Union account had been hacked and he would suspend the account. Since then, someone has created XXXX accounts and charged services in my name. All my information has been compromised and people are charging items, applying for credit cards, and sending money/transferring money. This is fraud. I did n't authorize the use of my information, my son 's information, or any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My self  account  is closed I have paid the full amount XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Information belongs to someone else

Complaint:
I have been contacting the companies and credit bureaus for XXXX now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need TransUnion to take this complaint seriously and delete the account and the addresses immediately. I have attached a copy of the Federal Trade Commissions Identity Theft Affidavit.

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 2021-11-23
Company: Ocwen Financial Corporation
State: GA
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:
Ocwen Loan Servicing , LLC and XXXX XXXX reported inaccurate information to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

The information being reported is inaccurate and currently being paid. Please see attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with NELNET and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC XXXX, to obtain money to attend UNIVERSITY OF THE XXXX XXXX and XXXX UNIVERSITY. For the NELNET to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they furnished deceptive forms in XXXX separate instances which is a violation of 15 USC 1692j ( a ). Furthermore, NELNET communicated with XXXX, XXXX and XXXX to have information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing NELNET apply the XXXX individual payments, totaling {$3200.00}, to myself by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2018 my account was closed due to fraud when I spoke to someone about it at the company. I was told it was going to be cleared up it never was

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 2020-04-08
Company: Experian Information Solutions Inc.
State: TN
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:
First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over 500 and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk

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 2016-12-15
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have n't heard ANYTHING from this clinic nor phone calls or notice letter regards to this amount. I just received email from XXXX that I have XXXX collection. Then I was surprised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please review below the complaint and the resolution in below box. The loan modification plan to bring us up to date seems unfair and hidden and higher cost, fees for this bank, which was not needed, The loan was never behind in XXXX because I pay ontime and met my payments for the 4 month plan. They also have fees that they can not explain how it went from XXXX or XXXX XXXX behind to XXXX behind on the loan as they wrote up. Please see complaint below

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO VIOLATED " FCBA '' AND TRUTH-IN-LENDING ACT WITH NOT PROVIDING UNEXPECTED NOTICE RECEIVED NOT IN TIMELY MANNER AS REQUIRED PER STATED ABOVE PROVISIONS, COMPANY SENT INCORRECT DATA OF MORTGAGE ESCROW, COMPANY OVER CHARGES / FEES AND PAYMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX Account Number : XXXX SXXXX XXXX Account Number : XXXX FXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
For several years Wells Fargo have been charging me overdraft fees for insufficient funds in my checking account. Several of my bills had to be set up as auto payments. 
I have requested that Wells Fargo not make the payments if the funds were n't there because the late fees are less than the {$35.00} overdraft fees. 
I was informed that this is Walls Fargo policy for auto payments and debit card transactions. 
They will not let me opt out. 
They are taking advantage of the lower income people. 
I had several overdraft fees in the last month alone, so it is hard for me to get ahead with my limited Social Security income. 
Is there any way to get these charges reversed and opt out of overdraft protection. 
Thanks in advance 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 monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with FCRA, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company has reported the account to consumer reporting agencies without sending notice allowing me to validate the debt. The company is also attempting to collect a time-barred debt in accordance with state law. A copy of this complaint and all documentation supporting the facts will be sent to the State Attorney General 's Office and the Federal Trade Commission as a result of the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are selling my mothers home and need the payoff amount from Ocwen financial. I 've been calling for two months trying to get a response but to no avail. This week we are supposed to be closing and we still have n't had any response from Ocwen. All we need from them is to verbally confirm the amount and fax over some paperwork to the escrow company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I recently moved back to the United Estates on XX/XX/XXXX, after living in XXXX for over 13 years. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is Comenity Capital Bank which already had transferred that account to XXXX XXXX XXXX for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from XXXX XXXX XXXX on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to Comenity Capital Bank, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home USA and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
They are reporting inaccurate unverified information on both of my businesses and wont provide me with any details

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Computer Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second time this has happened to me with this company. I fell for the scam the first time. I was mailed a bill from Computer Credit , Inc. on behalf of a medical bill with XXXX XXXX. I paid the debt of {$84.00} and the check cleared my bank on XX/XX/2016. Computer Credit then sent me a repeat of that same bill on XX/XX/2016. This was sent 4 days after the check cleared. Not received but cleared. This company has done this before and I fell for the scam and was never reimbursed. This is no accident on their part. They will repeatedly re-bill as long as the victim keeps paying. A nice side effect is they ding your credit score while doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Torres Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I Opened an account with XXXX, submitted XXXX payment, my light was never turned on, I consistently called XXXX XXXX sent bank statements showing that I paid them, then in XXXX 2015 I received a call from XXXX stating that they would they would send me a check for XXXX because they own XXXX and my lights were never put on, After receiving the check from XXXX, I changed it, after changing it, I received a letter stating that I owe them XXXX, my credit score was in the XXXX, I called torres collections explaining the situation, they said they would get back to me and never did now this money that they stated I owe is on my credit score.

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