BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Ability Recovery Services, LLC
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 a identity theft victim, I have been since 2012. I have several inaccuracies on my credit report that I dont recognize where they came from. I have a fraud alert on my credit file and I have reached out to all 3 credit bureaus about this and I have been having a hard time get theses items removed from my credit report. Accounts from ABILITY RECOVERY SERVICES LLC has a amount of {$1400.00}. And a another in the amount of {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-07
Company: Experian Information Solutions Inc.
State: TX
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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-08-24
Company: Heartland Resolution Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received multiple phone calls from a company called Heartland Resolution Group claiming to be a debt collection agency about an outstanding debt of {$45.00} from an ER bill from 2016 they claim has been unpaid. I have no outstanding bills from any of my medical visits. The company, Heartland Resolution Group, is claiming I can pay {$6.00} to get the debt removed from my credit report. I have yet to receive any actual communication from Heartland other than the phone calls regarding this bill. When I asked for them to send me a copy of the statement from the ER/Hospital, they claimed they couldnt find which hospital I was being billed from and neither could they find the name of the doctor who serviced me. In speaking to a representative on a different occasion, they claimed they knew what hospital I was seen at and named said hospital. Talking to a different representative, I was given a completely different response. They also mentioned they received my unpaid bill from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank savings accounts display incorrect balances And they will not help when you call them. Honestly do not know what to do. Unresponsive, will transfer your call back and forth and no one helps. Put you on hold and hang up on 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 monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: AL
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 sent a letter certified mail to the credit bureaus on XX/XX/2022, telling them to do a investigation on the accounts listed below. Also, I have attached the letter with the tracking numbers for each credit bureau. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 UCS 1681 everything has to be 100 % accurate. I have the credit reports to show the inaccuracies ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, I have the credit reports to show the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I became XXXX in XX/XX/XXXX and notified MOHELA, the company holding my loans ( {$58000.00} ; {$8800.00} and {$5200.00} from XXXX ) that I was no longer working and dependent on food stamps as I applied for XXXX. The customer service agent, XXXX, said I would be placed on zero payment due status because I was receiving food stamps. I began the process for permanent dismissal of the loans through XXXX. Over the past two years ( it has taken over 4 years to qualify for XXXX because I have severe XXXX at least 4 days a week and suffer from XXXX XXXX/XXXX ), MOHELA representatives began calling, sometimes twice a week. I notified them that I was still on food stamps awaiting XXXX and was forced to allow a friend to live in the home I had rented since I could n't afford the payment, and lived with different friends ; therefore, I did not receive communications from MOHELA. On XXXX XXXX, I called MOHELA and spoke with XXXX, to let her know documentation had been submitted to the Dept. of Education/XXXX to dismiss my loan permanently. Although she initially indicated she would correct the delinquent payment indications on my credit report since my circumstances had not changed until I was approved by XXXX ( though still waiting for payments ) ; she indicated I would have to complete another form for them because dismissal by XXXX could take up to 120 days ( I submitted all required documentation to them XX/XX/XXXX ). Then she told me she would not make the corrections to my credit report ( which have dropped my FICO score 200 or more points ). I am afraid to sign anything from MOHELA after this experience. I simply want MOHELA to remove the delinquent payment indications on my credit report because of the financial hardship I was suffering for the past four years ; I am XXXX XXXX ; and I was not in the home to receive communication from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Ocwen Financial Corporation
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXXI 've experience some water damage to my property my insurance company was XXXX. Over time of investigation they did release {$27000.00} which were to be broken-up in 23 payments of {$9100.00}. My 1st draw came to me in XX/XX/XXXX around the XX/XX/XXXX I hire XXXX XXXX XXXX XXXX to replace the damage carpet in the home.The amount to replace came up to {$3900.00} because that check came in their name and my name ocwen did not have a separate check for them for the {$3900.00} and XXXX XXXX XXXX would not sign off on the {$9000.00} check so I have to give them the whole check when problems occur with the contractor XXXX XXXX XXXX XXXX the price of the carpet to over {$6000.00} I chose not to use them but them would n't give me my money back. Because they thought Owen would Sue after speaking with ocwen said it was OK for them to give me the money back But our current would not tell them bad nor write a letter stating that so I did not receive the money back So XXXX XXXX still has the {$6600.00} and had it since XX/XX/XXXX And I try to get it back but they will not give it to me So moving forward I asked ocwen what can I do to we see the next draw in order to finish to work on my home they gave me an option to send in some documents which include it receipts from work I 've already done myself an proof that I try to get the money back from XXXX XXXX.After sending the information ocwen order an inspection the inspection prove that 50 % of the work in the home has already been done .The importance of that number is because each draw was based on a percentage of the work done so if 30 % of the work is done on the 1st draw then the next draw was supposed to be release so Owen sent me a check for {$3600.00} not the amount of the next draw what they sent to me was the amount of what I 've already spent in my home that 's not the correct procedure And also sent me a letter stating that when I 'm done doing all the work on the home myself an inspection is done then they will send me the rest of the money that 's not how it 's supposed to be done the insurance money is supposed to be sent to me to do the work not my own money to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the company XXXX XXXX XXXX that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for American Express and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
CAPITAL ONE BANK USA Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6700.00} Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Contact : XXXX XX/XX/XXXXXXXX XXXX XXXX, VA XXXX. 

Send the documentation : FTC Identity Theft Report, Claim to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, trade to solve the problem but they do not want to help me and solve it. I have never lived in the United States, I moved just a year ago and discovered that I had identity theft, I have American citizenship as a result of having an American father. 
I want to solve these problems that are ugly since I moved to this country to finish studying and learn the language well. 

They are giving me many problems and they do not want to solve the legal documentation that I have given them, there is an abuse on the part of Capital One and the Debt Collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with CFPB in XX/XX/XXXX with hopes that I could stop a foreclosure sale on my home. I was previously under XXXX. XXXX bankruptcy but it was dismissed because I could no longer keep up with my plan payments. I also filed for a loan modification with PHH in XX/XX/XXXX. I phoned PHH and got an appointment with my relationship manager, XXXX XXXX. The foreclosure sale was halted and I consulted with a realtor to put my house on the market to sale it. I moved my items out of my home to have a few repairs done that my realtor suggested. Within a month of my home being on the market, I went to my house and I received a notice on my door from a company called XXXX XXXX XXXX. Apparently PHH hired them because my home was vacant. They had no way to confirm my home was vacant. I had a cash offer on my home but the offer was taken back after the notice from XXXX was put on my door and railings. The language on the letter stated I could not enter my home with calling XXXX. I filed a complaint through the XXXX  against XXXX XXXX XXXX. The company responded to the complaint stating they were hired by PHH to secure my home because of delinquency on my account ( see attachment ). On Wednesday XX/XX/XXXX XXXX XXXX XXXX broke into my home while I was not there and did something to my door locks. I plan to seek legal counsel for unlawful entry into my home. That is an illegal practice. PHH denied my loan modification and would not even allow to apply for a forbearance and I was not offered a repayment plan to help bring my account out of delinquent status. With all the government programs in place to help homeowners avoid foreclosure they have not helped me at all. PHH Mortgage is deceptive in their actions in helping me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: DISCOVER BANK
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:
Back on XX/XX/XXXX I received a text alert on my phone from Discover credit card about a {$710.00} purchase that occurred at XXXX XXXX XXXX XXXX in New York. Immediately, I knew there was something wrong because I was at XXXX and the last time I had used this card occurred three days earlier. 

I contacted Discover about the fraudulent charge and I informed the representative that this was a purchase I did not authorize at all. Discover informed me I would not be held liable under any circumstances whatsoever. 

Well, weeks passed by and I noticed that I kept getting more mail from Discover than I should have expected about more information needed on my part about a fraudulent charge. Well, I looked at my Discover statement online on XX/XX/XXXX and it turned out that I would be liable for the {$710.00} due to the card being used at XXXX XXXX XXXX XXXX and that it was in the vicinity of my residence. When I inquired about this situation to the Discover representative, that person cocked an attitude and accused me of " avoiding his phone calls. '' I never was in XXXX 's on XX/XX/XXXX at the time of the purchase and I never had the card on that day. I had already disputed this transaction and I do not feel happy about this situation. What I thought was a one-off incident that should have been rectified in one day has been an ongoing struggle, and now Discover is refusing to re-investigate under any circumstances. 

Please, I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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 explanation
Consumer complaint received 2017-08-16
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:
I submitted a dispute with Equifax and XXXX last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called Equifax and XXXX due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-08-16
Company: ROC Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In addition to complaint # XXXX and XXXX ( the original complaint ) they contacted another family member on XXXX XXXX, 2017. They contacted my aunt, stated they were trying to reach me regarding a serious legal matter. They also contacted my Grandmother 's home, I have no idea how they are even getting this information. They told my grandmother I would be jailed. My XXXX year old grandmother called me in a panic. The name of the person that made this call was XXXX XXXX? Not even sure that 's a legitimate name and the phone number is XXXX, file # XXXX. When I returned this call to speak with XXXX XXXX, I was told it had been dismissed and they could n't provide me any further information. How are these people getting away with this type of harassment. They contacted my job repeatedly after being asked not to. They called asking to speak with my HR department. They 've contacted every member of my family as if I 'm some type of criminal, then to say it was dismissed. This ca n't be legal and I would like answers. If I could sue this company or press charges, I absolutely would in a heartbeat!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: HANCOCK WHITNEY BANK
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21, Hancock Whitneys representative, XXXX XXXX, Real Estate Loan Administrator, confirmed that they had received a refund for the initial disbursement ( {$16000.00} ) from builder, since the builder could no longer build the home for me. The bank has not applied the funds back to the account, and the amount still shows outstanding. They have also continued to charge me interest on the funds they had since XXXX of last year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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