BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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 received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2016-08-01
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I requested the information I needed for an dispute. Representative said she would send information but didnt and now I have a letter stating it is going on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. 

As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. 
Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. 
Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. 
After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. 
I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2017-01-05
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is that our house was foreclosed on XXXX/XXXX/2016. During this time our application for modification request was in review ( as noted on the XXXX Notes ) Please take a look at the letter dated XXXX/XXXX/16 where it states Ocwen was acknowledging the receipt of the application for assistance, when in fact, this request for assistance had been submitted back on XXXX/XXXX/2016 ( Listed on the XXXX Notes ) Also, please make note as to how many Ocwen representatives touched this file -- there should only be XXXX Single Point of Contact or Account Manager working the file. Due to the fact that Ocwen is a servicer for XXXX XXXX Bank, and under the scrutiny that XXXX XXXX has been under, here is another case that should be reviewed for the discrepancies by the Servicer, Ocwen. They created DUAL TRACKING and foreclosed on this house while in Modification Review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: American Credit Acceptance, LLC
State: AZ
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-06-03
Company: EQUIFAX, INC.
State: FL
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 received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/2011, XXXX changed to Navient. They also changed my terms from an affordable payment which I was making, $ XXXX/mo. They increased my payment to over $ XXXX/mo. I told them I could afford that payment. At that time my principle balance was {$7000.00}. Last fall I contacted student aid ombudsman. They told me Navient would not make options available to me. The ombudsman did tell me I could refinance with a different servicer. Navient never told me that. I refinanced last month with XXXX. After all the interest and fees Navient charged me, the new principle is over {$16000.00}. I could have the loan PAID OFF by now. Navient lied to me to keep me in the loan. They also TRASHED my credit. Thanks for your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX takes XXXX cents everytime you hear your balance and is said to have free customer service but you can not get customer service if you dont hear your balance first phone calls are often cut off or pushed forward to an automated system only giving you the option to start all over again and hear you balance again when it's not necessary due to quarantine I havent been able to get through to them what so ever but I was charged over {$3.00} for trying on the XXXX because I had to keep calling they are taking money that I dont have and not providing the service they say is free

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had  XXXX  in  XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the  XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the  XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On  XX/XX/XXXX , the debt collection company filed a claim against me through  my local county 's  magistrate court.   Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the  XXXX . The hospital where the  XXXX  took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2016-12-27
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX XXXX admitted they open a claim up on me in error, it been affecting me getting homeowner insurance and have my rate extremely high to do damaging my XXXX report, which a clear violation of FCRA which is govern by FTC. Foremost send me a letter out admitting it was a error, but XXXX failed repair to reporting on his XXXX report its been 18months of get denied and being embrass because denial. In XXXX XXXX XXXX XXXX place XXXX claim on my history and a XXXX and XXXX on my file in XXXX XXXX and XXXX XXXX these claim were only supposed to be XXXX claim which Texas Insurance Commission agree via by accept my complaint against XXXX XXXX. Only XXXX claim was filed which was XXXX XXXX XXXX and since I filed a claim which insurance commission it was a tactic to make me pay higher rates or be denial coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a business line of credit with Chase after receiving their solicitation for such many years ago. After receiving the first statement with {$150.00} fee, I decided I did n't want it because of the annual {$150.00} fee and the high interest rate. The account has never been used and I 've tried on several occasions to close it. I thought they had closed it, but now after several years, they are refusing to close the account until I pay them {$750.00} in fees they 've racked up, and my branch manager told me they are going to keep it active and will keep accumulating the annual fees until I pay the fees they have already assessed. This feels very illegal, basically locking me into a product I do n't want so that they can continue to extort annual fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 've been working with  Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since  XXXX   XXXX ,   XXXX   I have not been able to receive a call back from my Point of Contact   XXXX  . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Google Pay was offering a {$21.00} cashback promotion after spending {$50.00} at XXXX. I saved the offer in my Google Pay account in early XXXX. On XX/XX/XXXX, I checked my account ; the XXXX offer was still saved to my account in the app, so I proceeded to spend {$50.00} at XXXX on XX/XX/XXXX. I did not receive the {$21.00} cashback from Google. 

I tried contacting Google for help but they said the promotion had ended. However, this is extremely deceptive marketing because I double-checked my app right before I made the purchase, and the offer was still standing. If Google wants to end a promotion, then they ought to take down the offer. I was " tricked '', essentially, into spending {$50.00} at XXXX that I would not have otherwise done because I thought I was getting {$21.00} cashback for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection appeared on my credit report a couple months ago and then it was removed, now it is back again on my report from another collection company, THIS DEBT IS NOT MINE I have no knowledge of this debt/collection and it must be a case of identity fraud. Please remove the collection from my report as it is the only derogatory mark on my credit and it is hurting my score severely which I need to buy a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complaint two weeks ago, and noting happened. I am filing a compliant once again with hopes that this situation gets resolved. I have contacted Transunion to remove incorrect items from my credit report and they refused to remove items that they relisted. The items are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Can someone please help me? I know what Transunion is doing is wrong, but I ca n't do anything so I am reaching out to you. I just want those items taken off that they relisted. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: OH
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:
Completed dispute With Equifax regarding a collection account showing on my report. Creditor/collection agency requested deletion of account from report. I sent this letter in with my dispute to have the item removed from my report. Equifax investigation results did not update properly and delete item from report. They simply updated the item. Debtor is XXXX XXXX XXXXor XXXX XXXX. The item has still not been deleted from my report even after this has been submitted in writing.

Company response to consumer: Closed with explanation