BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had opened an account with Citi Bank ; and, without my knowledge or permission, they sent me bills electronically. 
I used to work in internet security so am very familiar with the viruses that are spread by emails masked as being from financial institutions so I do not accept any bills via email, I expect bills to be mailed to me.. 
Since I did not receive any bills, I did not know I was past due and accruing interest charges. 
When they eventually called and I figured out what was going on ; I said I would pay the principal but not the interest because they did not get the bills to me. 
I sent the attached letter with my last check reiterating that I was not paying the interest. 
The letter did not make any difference to them, they continue to call and I continue to say that I am not paying any interest on these charges. 
Now, they have turned me over to a collection agency which is beyond infuriating

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 2022-04-26
Company: Commonwealth Financial Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a validation letter certified to Commonwealth Financial XXXX XXXX XXXXXX/XX/XXXX. This company failed to submit all requested information listed in letter. They only sent an itemized bill and failed to take off my credit report and what I requested on the validation letter including signatures for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a letter from  XXXX   XXXX  on  XXXX  saying that they would remove all  XXXX  accounts from my credit. It is now  XXXX  and they are still on there. i have enclosed the letter they sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PayPal signed me up for a credit card without my consent and then charged me {$45.00} dollars fee on XX/XX/XXXX. I did n't know my rights, so after paying I contacted customer service to dispute this charges and I was told that there was nothing they could do because I have already paid. It is now XX/XX/XXXX and now I received a letter from PayPal stating that I owe them {$10.00}. When I call the XXXX hot line I was asked how I was going to pay the {$10.00}. So I asked them what is this fees for. I told them that I have asked them to close my account which they did. I asked the representative to explain the charges since I had already paid the balance plus late fees even though it was something I did n't authorized. She put me on hold and after 6 minutes of waiting on hold she apologized and informed me that they have made a mistake. The {$10.00} fees were charges of {$2.00} for each month for the last 5 months on a XXXX balance account that was closed. I told her that I was going to put a complain because I am sure that this has happened to many people out there. This seems to be a very successful scam that PayPal is running.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on Experian XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.

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 2022-04-26
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine. 

One account on your report shows past due and could use your attention. 
Total open balances {$140.00} How did we get this info? 


Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance XXXX XXXX   XXXX {$140.00} Needs attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately. The account is negligently and inaccurately reporting failing to comply to 15 USC 1681 for Misleading False Reporting. 

XXXX XXXX XXXX Account Number : XXXXxxxx Account Type - Detail : Child support Date Opened : XXXX/XXXX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Fedloan Help
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was working with a non profit organization company called "  Fedloanhelp '' t hrough www.fedloanhelp.org. This was done to help refinance my student loan payments to help reduce my monthly payments. Each month I was being reassured that my loan was being worked on and nothing was ever done. I was making payments off {$98.00} every month for 12 months for a total of  XXXX . Recently they said i would receive an entire refund on all of my payments due to them not being able to help me. I have reached out and for the past 3 months and requested a response and only received automated responses that they would refund me once they received more funding. Now their phone number is disconnected and their website is no longer on the internet.  <P/> The company was taking the payments automatically through my account number.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX    XXXX  DELETE  XXXX   XXXX   XXXX PLEASE DELETE  XXXX   XXXX  &  XXXX PLEASE DELETE   XXXX   XXXX     XXXX PLEASE DELETE   XXXX   XXXX   XXXX    XXXX  DELETE  XXXX    XXXX    XXXX -PLEASE DELETE   XXXX   XXXX  PLEASE DELETE  XXXX   XXXX  DELETE  XXXX   XXXX  PLEASE DELETE EQUIFAX  XXXX    XXXX   XXXX     XXXX  PLEASE DELETE   XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX     XXXX  PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a Covid -19 forebearance plan with PHH mortgage company. 
In XXXX of XXXX I was told there was no more forebearance extension and that I would have to apply for a trial modification payment plan. 
I was told by PHH mortgage company that any payments prior to the trial payment plan would be put on the back of the loan as money owed. 
PHH sent me the application by email I completed it within a few days emailed it back to PHH mortgage and waited for their approval of this trial plan. 
PHH approved the plan it took a long time even though throughout the forebearance time frame and into the trial aplication process I consistently communicated with their company always eager to move the process along PHH mortgage set the 3 trial payments in XX/XX/XXXX and I was asked and was allowed to show good faith by sending 2 trial payments in XXXX and 1 in XXXX I did this in good faith and was told all of the payments for XXXX were put on the back of the loan. 
When I sent in these 3 payments they were recorded incorrectly, Multiple phone calls to PHH always getting different answers. 
They had applied 2 of the 3 payments to XX/XX/XXXX and XX/XX/XXXX and the 3rd payment I wastold was credited to XX/XX/XXXX again then it was somehow in an account where PHH was waiting for me to call them to tel them where to apply the payment. 
Always different answers and numerius calls I believe I was tricked and PHH lied about the forebearance payments and how my trial modication payments were to be applied The 3 payments I sent should have been applied for XXXX XXXX XXXX XXXX of XXXX not anything else all of XXXX was foreberance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Had XXXX fraudulent charges for the exact same amount to a debit card issued by cash app. I immediately notified cash app and cancelled my card within XXXX hours of these charges. Contacted cash app through multiple routes of contact ( in-app support, XXXX, email, and tried to call XXXX times with no answer ). These charges were made to a company called XXXX. Contacted that company to hopefully cancel the pending charges but they requested a merchant transaction number. Cash app refused to provide me with this number further delaying my funds being returned to my account. They claimed that they dont use merchant transaction numbers. I havent received a response from either company in almost XXXX hours and have made little to no ground on said issue. I feel as though no one is taking this seriously. The cash app balance that was in my account was made available for maybe XXXX hours before being taken from my account. So far I have suffered over {$250.00} in losses due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXX and XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/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 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband passed away and I am trying to sell out marital home. To my horror I was just told that XXXX XXXX XXXX XXXX acquired by Bank of America, NA in XXXX failed to discharge an equity line of credit of that was paid off during a refinance in XXXX. I am beside myself as I need to sell this property as expeditiously as possible. My husband 's name was XXXX XXXX XXXX. To the best of my knowledge we were both listed on the mortgage. After my husband passed away I shredded a lot of documents and can not locate any original documents related to this mortgage. I am now under contract with the house and need clear title. Please help! <P/>Thank you for your prompt assistance in this matter.

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 2017-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In  XX/XX/XXXX I was made aware that I became a victim of identity theft when someone unknown to date used my information and attempted to file a tax return. I followed all steps and even filed my affidavit with the IRS in   XX/XX/XXXX   In   XX/XX/XXXX   when pulling my credit report I discovered that Portfolio Recovery   XXXX  b ought an account and started reporting it to my credit report I have disputed this account over and over and not being knowledgeable of all the credit laws I did not know that this company had to provide me debt validation upon my request over and over I disputed this as a fraudulent account the only reason I did n't have a police report is because I had no information to provide as to who was n't using my information .I filed many disputes with the credit bureaus that the debt is not valid and not mine and each time Portfolio Recovery has sent back as " verified  '' .Upon  reviewing all FCRA laws I sent the company a letter of validation XX/XX/XXXX  requesting proof of the debt because I know this is not my debt. I hold  one    XXXX   XXXX   account that I opened in XX/XX/XXXX  that is the only   XXXX   Or account I have ever had. I sent a certifed letter to the address the company has on my file requesting validation and today XX/XX/XXXX  they did not sign for it and it returned back to me as undelivered due to address they have again have reported to the credit bureaus that the debt is valid effective XX/XX/XXXX  what documents are they using to validate this debt this debt does not meet FRCA guidelines because they never ever sent me any validation ever. Proof of the account address information nothing showing that I am liable for a debt or in any contract with  Portfolio Recovery   XXXX   for a debt. I am a victim of identity theft and I want this account removed it is not mine. Please see the attached documents in regards to my claim/dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
We had an emergency visit for our dog. Someone suggested Maxlend to pay for bill. I called them and received the money {$500.00}. Nothing was mentioned about interest rates. I signed the paper online. They said I signed authorization?? to take pymt out of my checking. I don't recall doing that, I don't like that method, but they insisted I did. I called the company to get a bill or statement. They don't send them. I went into my banking and noticed they took out {$210.00} automatically. Their online info also showed future pymts of {$260.00} a month till XXXX XXXX. Total {$3000.00} for a {$500.00} loan!! I can't pay that!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unfortunately. I am a victim of identity theft.

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 2017-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Today,  XXXX   XXXX ,  2017 , I spent  45 minutes on the phone with Capital One reps trying to gain access to my credit card account online. Turns out the new website REQUIRES users to provide their annual income in order to gain access to their accounts. I am not aware that users are required to disclose their income to use one of their existing cards. I have no interest in credit line increases. I would just like to use the card and pay my bill. Since Capital One wo n't give me acc ess to the account online without my disclosing my income, WHICH IS NONE OF THEIR BUSINESS, I closed the account.   XXXX  Why are credit card companies allowed to require income disclosure in order to use their product?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
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 fraud alerts or security freezes

Complaint:
I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in  XXXX  I notified the agencies to place a fraud notice on my file. This happened again in  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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2017-06-02
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Existing complaint ( Submitted to the CFPB on 2016XXXX ) : I have about $ 250k in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, Navient Student Loan Services failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XXXX-XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XXXX-XXXX timeframe since I was already behind during those months. Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with 4 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control. <P/>Submitting 4 90-day late reports to credit bureaus and refusing to address the issue by taking some responsibility is unfair and unnecessary punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got notification via   XXXX   XXXX   that a new debt was placed in collections ; I had no knowledge of this company listed on the debt ; I called  XXXX  who advised me a loan was taken out via the internet in  2010  ; I have never received a bill, notice, or any attempt to collect. the debt was then sold to a creditor as the 7 year timeframe was ending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation