BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. 

Equifax updated the charge off status to XX/XX/XXXX resulting in a XXXX point XXXX  drop this also put me in a different credit bracket reulsitng in a higher interest rate. This happens to be a constant reporting error, and when this is reported if reflects to lenders that I have a recent late payment which will deny credit and or offer an high interest rate. 

I am demanding a complete removal of reporting from Equifax. The account was closed more than 7 years ago, and it was sold to fives years ago. I will take the removal as a fair exchange to stop legal consequences for Equifax action of continually validating and reporting incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We have had a fixed mortg age with Wells Fargo for years. We are paying 6.7 5 % interest and approximately {$2300.00} per month. My wife has been sick and totally  XXXX  since  XXXX . Our savings were wiped out in the  XXXX  financial crisis. We have approximately {$150000.00} dollars in equity in our home but hav e two liens for medical bills totally about {$20000.00}. We have been turned down for refinance 2-3 times by Wells Fargo because we are a bad credit risk, yet we have never missed a mortgage payment. If we were not being charged an extremely high rate we could be apply those funds to other bills and be in a much better position. This rate seems abusive and unfair. Seems as if Wells Fargo is intent on keeping us at this high rate until we are force to sell our home, which we do no t want to do.

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 2017-04-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX   XXXX , now Navient, are thieves. They are unprofessional, apathetic, and scheming. I have loans with  XXXX   XXXX  from College. Over the last fifteen years, I have been harassed, insulted and beaten down by them. I had a customer service rep tell me to get another job or rent out a room in my house in order to pay my student loan. I am a  XXXX   XXXX   XXXX  and was told that I no longer qualify for student deferment. My most recent statement, my interest rate went up again. How is that legal. I owe double what I borrowed and my interest is now 10 % on  XXXX  loans, and 7 % on my  XXXX . How will I EVER pay it back? How can they keep raising my interest? How is what I have paid hardly touch any balance? They are not willing to work with me, and are unreasonable. How can a single mother, let a lone person, pay with interest loans like this and no other support. How does IBR not qualify for this. It was student loan. I ca n't get anyone to refinance, even though I would have to refinance interest, it 's ridiculous. All I am asking is for them to be reasonable. I owe almost  XXXX  and borrowed less than half that. How will I ever pay it off. All I am asking is for a fair interest rate.     I am so desperate, I tried filing bankruptcy in order to survive,  XXXX   XXXX  wanted my monthly payment which was more than my rent. Private student loans do n't qualify for IBR or deferment, or refinancing, but do n't count as a private loan to file for bankruptcy because it 's a school loan. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX, I called XXXX due to an account opened in my name through a Capitol One credit card, which I never opened. The account, according to XXXX, was opened in XXXX and was used through XXXX of XXXX. After that, who ever opened it, stopped making payments and leaving a balance of {$13000.00}. There were two addresses on my credit report that were not mine, possibly the credit statements were going to one of those addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have been in contact with a company through Captiol One who was working on this fraud and also Capitol One. I just received a letter from Capitol One with their belief that there research found no signs of fraud and will not release my name from this debt. 
I have never lived at those addresses and I never had a Capitol One credit card. The only way I think this happened is, I volunteered at a XXXX XXXX XXXX in XXXX Oklahoma and one of their employees added my name to a credit card and used it. It is the only connection I an make to this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds between XXXX and USAA to identifying owner of the XXXX number, I called XXXX and USAA refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to take a civil case. Can you please help trace the funds at USAA so I can recuperate the money back? I can provide transaction details. XXXX XXXX   claims department is XXXX. 

I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, on XX/XX/2020, I ultimately paid the {$900.00} via XXXX at XXXX. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I asked him to return the deposit, but he disappeared. 

On XX/XX/2020, I told both XXXX and USAA that it's a scam and hold the funds immediately, but they did nothing. They also refused to provide any information on the transaction. Under XXXX, there is no ability to reverse the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: The CMI Group, 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 resulted from identity theft

Complaint:
I have been getting continuous calls from a XXXX party debt collections in regards to a XXXX account that was opened under my name in XXXX while I was in Texas. I have sent in the requested proof of residences and identification to them about a month or so ago. Calls stopped for about a week and then started back up. I have spoken with them again and they are now asking for a police report of the incident, I went to my local police department in Texas and they are telling me because of the time and situation i would have to file with the XXXX police department for that claim. I am not able to just fly over to XXXX to make a police report. So when I called back they said well we are out of options and transfer me to another person that tells me the same thing until I magically get disconnected. I then went and called XXXX and after hours of phone calls from them and finding out there are no local branches here in Texas they sent me here to file a complaint.

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 2021-12-11
Company: American Coradius International LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received a notice on XX/XX/XXXX21 from American Coradius International LLC Dated XX/XX/XXXX21 stating they are collecting a debt to XXXX XXXX XXXX of {$210.00}. 

I called XXXX, XXXX on XXXX/XXXX/21 and verified that I have no negative balance in my accounts with them. The XXXX Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/XXXX21 to formerly dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.

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 2022-04-29
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This complaint is regarding Synchrony bank 's unfair and deceiving information reported to the credit bureaus. I have several accounts with Synchrony bank, however I have had problems with them lately, which resulted on negative impact on my credit. First, m y PayPal account was upgraded to a paypal MasterCard, a nd it did not mention anywhere that this was a separate account, unrelated, and now financed by Synchrony bank. They reported this as new credit, which i never auth orized a credit score to be pulled . I contacted them and was told ut would be removed from my credit report within 30 days. It is still there. I called every month, the same story. Unbeknownst to me, it appears that my automatic payments I had set  up with PayPal did not transfer to this, and Synchrony did not  send me a bill until late  XXXX   XXXX  telling me i was late on my payment. They reported this to all  XXXX  credit bureaus. I contacted them and was told at first that I was late only 1 month, and they do not report until 60 days. So they did not know why. Then superviser stated that I had been late since  XXXX . My account has been under investigation for theft, yet they did not notify me of anything being due until late  XXXX . Also Synchrony manages the Walmart card. I had identity theft, and someone applied for the Walmart card fraudulently. I contacted Synchrony several times, and gave them all police reports, and each time they promised they would remove this hard inquiry from credit reporting agencies. This was in  XXXX   XXXX . The inquiry is still there. Therefore I have now  XXXX  items from Synchrony that have negatively impacted my credit, a late payment due to misleading practices, a fraudulent inquiry not removed due to incompetence and disregard or else, and an added new account for which  my credit score was pulle d without my authorization. In addition, it is worth noting that that they approved me for furniture purchase credit, and I only used half of it. When however I went to use another {$500.00} they said they would need to get a credit report first even though i had over {$6000.00} available credit.

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 2021-12-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. XXXX XXXX is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home  XXXX   XXXX   XXXX . HUD assumed my mortgage  XXXX   XXXX   XXXX , and sold my Loan to Ocwen in an Alonge dated  XXXX   XXXX ,  XXXX . I had payed HUD  XXXX  for two years from  XXXX  till sale to Ocwen in  XXXX  which was a slight reduction from  XXXX  due to our  XXXX  losses. Ocwen says I only paid  XXXX . I have original letter head from HUD verifying  XXXX  ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of  XXXX  thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay  XXXX  to get back in good graces and now my loan is up  XXXX   XXXX  and they are saying I still owe approx  XXXX  have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me  XXXX  checks from escrow but say they have no record of  XXXX  of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   XXXX   XXXX   I arrived at the Chase Branch located at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  NY  XXXX  to Withdraw a  XXXX  dollars from my  XXXX  checking account. I proceeded to make my withdraw at  XXXX , and the ATM registered my withdrawal of a {$100.00} dollars plus {$3.00} charge but it did not dispersed my cash. I then went inside and tried one of the atm and I withdrew the {$100.00} at  XXXX . This time the atm dispersed my cash. However now I am missing {$100.00} dollars from my  XXXX  checking account. My  XXXX  statement shows the withdrawal of {$100.00} twice which is not accurate. Please help me with this issue that is very important to me. I am very disappointed with the service that Chase provides to the public. That 's the reason I am filing this complaint. Thanks very much for your assistance.  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to  XXXX  asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of  XXXX   XXXX  I 've yet to see any documents regarding these claimed debts with  SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of  XXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to WELLS FARGO CARD SERVICE about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.

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 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The Capital One representatives claim they gave me {$560.00} to cover my debits and to make sure I had access to the full amount of {$1400.00}. stimulus on XX/XX/2021. That is incorrect. Capital One has never given any credit to make any of my deposits whole. According to the manager XXXX XXXX ( who refused to give his last name ) the false claim of credit Will be debited from my account on XX/XX/2021. The statement, letter and the description given to me by the initial representative XXXX and the manager XXXX is false, unproven,,,, negligent and predatory and incorrect. I need assistance to stoo this action and the predatory behavior by this national financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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