BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
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 am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX ohio XXXX the following information is fraudulent and i expect that it be removed from my report. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX I'm trying to conduct personal business and these matters are holding me up. 
I traveled from XXXX for residency on or around the summer of 2018. I recently was trying to obtain an account and checked my full credit report. At that time I saw medical accounts and other debts fraudulently billed to me and also a report from a XXXX checking account in XXXX XXXX unbeknownst to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account reference numbers : XXXX XXXX # XXXX, # XXXX US DEPT OF EDUCATION # XXXX, # XXXX XXXX   XXXX, # XXXX XXXX # XXXX, # XXXX, # XXXX, XXXX  XXXX  XXXX   # XXXX, XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$7000.00}, {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.

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 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
in early XXXX of 2019 i applied for a XXXX XXXX walmart credit card based largely on a promotion which was running. the conditions were to make a first time purchase of over XXXX $ and you would be given a XXXX $ cash reward. i satisfied my conditions of the promotion on XXXX. 


several months went by and i had not seen the XXXX $ credit so i called XXXX. i was told there was an issue with the conditions of promotion and after my explanation i was offered an apology as well as an update ; in a couple months i would observe the XXXX statement credit. 


more months passed and walmart chose to align with capitalone. i have since spent over XXXX minutes trying to resolve this with, walmart, XXXX and capitalone to no avail. XXXX  claims they no longer have access to my account information as they surrendered it to capitalone. capitalone says they do not know the terms of the promotion as it was not their own and they are unable to pay it out for the same reason. 
wal-mart told me they were aware of the problem and that i am not alone. 


people need to be held accountable for this fraudulent activity as if the shoes were reversed my credit card score would suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX I tried to transfer fnds from Coinbase vault to my personal vault and since then the transaction is waiting for approval. I have also been restricted from buying. I asked for support help on XXXX, XXXX, and the coinbase site and only got a XXXX reply from XXXX stating that they would look into it. I have sent XXXX messages to the support team and have had no reply for over 14 days. At this time I am still unable to access my account. Coinbase support is notoriuosly awful in response to thier customers is a fact I have discovered from trying to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed escrow on my home on XX/XX/2019. Prior to the close of escrow Lakeview Loan Service disbursed payment for flood insurance on XX/XX/2019 in the amount of {$380.00} to XXXX XXXX XXXX XXXX of Florida. According to XXXX XXXX they show no receipt of payment. Lakeview sent an email to me onXX/XX/2019 stating disbursement had been made from my escrow account. I did receive a refund of overpayment to the escrow account, but that did not include the money sent to the flood company. I received notification from XXXX XXXX XXXX the policy was cancelled on XX/XX/2019. I have been calling Lakeview Loan Service to no avail. They just keep telling me they are researching what happened to the money. I began calling on XX/XX/2019 when it was apparent, I was not being refunded my flood insurance payment. So far, I have called on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. I always get a run around of it's being investigated and will be disbursed soon. I have tried to speak to a supervisor, but there is never one available. I have also called XXXX XXXX on XX/XX/19 and XX/XX/19. They told me someone from Lakeview called on XX/XX/19, but they need to have proof of disbursement and front and back of the cashed check. No one at Lakeview can seem to provide that document. I have not received a satisfactory answer of what has happened to the insurance payment or if it will ever be refunded.

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 2019-12-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Initiated a simple {$7.00} billing dispute under reference number XXXX, an inquiry in the dispute section of the American Express website on XX/XX/2019, shows the dispute as closed. However, a letter from American Express dated XX/XX/2019, states they need a signed copy of the original transaction. A little confusing since this was an online transaction. In the original dispute, I noted that the website XXXX claims that service is {$12.00} monthly with XXXX streaming included. I noted that Mastercard ending in XXXX was billed on XX/XX/2019 for {$12.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re. Ocwen loan No. : XXXX I am behind in mortgage payment for ( 6 ) years I requested several times to Ocwen to help me for modification, and was denied I was treated unfair and Ocwen discriminated me my loan and did not help I offer to keep paying my mortgage ( when in default ) and ocwen did not accepted Ocwen at all times, was acting bad, denying, saying the did not received my information and, not answering my phone calls for the last 5 years I recently contacted Ocwen ( XX/XX/XXXX ) becasue they are selling my house on XX/XX/XXXX and the person from Ocwen was short in telling " sorry I can not help, look for other options ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notification from XXXX that CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/2019 Balance {$1200.00} Was trying to collect the amount listed above this creditor placed a derogatory mark on my credit file with no prior communication to even validate if the collection was mine which it is not i have filed a dispute and am waiting for results from XXXX  No collection agency should ever replace any derogatory marks on anyones credit file without first validating the death especially if it does not belong to the individual

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 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My wife and I obtained a loan from Capital One auto finance on the purchase of a used car. XXXX XXXX of XXXX fraudulently put lower miles for the odometer reading on the finance contract and extended service contract than the car had. When I discovered the fraud, I immediately advised Capital One Auto Finance what occurred. Capital One Auto Finance then advised to me that they had different miles on the forms submitted to them, which means that after my wife and I signed the contracts and left, XXXX XXXX of XXXX illegally altered the documents without our knowledge. Even after altering the documents, XXXX XXXX of XXXX still put incorrect miles on the newly fraudulent extended service agreement. I requested that XXXX XXXX  cancel that agreement due to the fraudulent miles listed, and to the fact that the Company to service the agreement didn't seem to exist. ( The brochure they gave us for the contract had a website that does not talk about any service contract ) XXXX XXXX XXXX XXXX claims to have cancelled and refunded our money that was additionally charged in the loan to Capital One. Capital One Auto Finance has not refunded the money, nor have they credited our account with the allegedly refunded balance, yet they still charge us for the original amount financed that included the additional XXXX for the extended service agreement. Even though they are aware the submitted contract was altered after sighning without our knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have not received satisfactory response from Freedom Mortgage about payment history. XX/XX/XXXX, I had to send them payment via certified mail be caused they had previously claimed they were not receiving payment. XX/XX/XXXX they have not received payment even though it was sent. I have repeatedly tried paying on their website and receive error messages consistently. Now my credit is ruined because of this situation. They do not return my inquires.

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 2019-12-19
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Ive had {$100.00} US currency available in my Venmo account for three whole days and have been declined over and over at atms and with transactions at store registers. Ive contacted customer support multiple times over this issue and have been getting the same generic computer generated replies even after asking for a supervisor or shift manager for customer service. Im not able to send or use this money yet there is nothing pending on my account and absolutely no way for me to be in more contact with customer service with my scheduling. I have attached some screenshot Images to confirm my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They took it upon themselves to contact my elderly parents and stressing them out ... my father is I'll and had a XXXX and does not need any added stress ... I am XXXX and havent lived with them for 20yrs. I live across the country from them. I am curious as to how the even got their number. Calling multiple times a day. When I called about it a supervisor told me " they have their ways of getting in contact with people ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw that Experian and XXXX report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where Experian and XXXX get their data and how and why they report false information and ruin our financial standing. 

Kind regards, 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 2019-12-19
Company: Riverwalk Financial Corporation
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX XXXX. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The Deville Asset Management agency has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to se the full tract of debt ownership  including but not limited to the rights to Deville Asset Management to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
X/XX/XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , TX  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account #  XXXX , which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you.      Pl  ease also be aware that any negative mark found on my credit reports ( including       XXXX   XXXX   XXXX   XXXX     ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within  XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I   will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Neglige
nt Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to   the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I  may be detailing any potential issues with your company via an online public pre ss release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: LEXISNEXIS
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
three months ago i contacted  Lexis Nexis Clue  report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a  three  month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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: Problem with personal statement of dispute

Complaint:
XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) - This account is paid off. I have asked the company involved to delete this account but somehow they still have not deleted this.

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 2019-12-19
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 XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX College. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The XXXX XXXX XXXX XXXX has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to XXXX the full tract of debt ownership including but not limited to the rights to XXXX XXXX XXXX to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau 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 2022-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
CFPB Write up n accordance with the Fair Credit Reporting act 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