BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TekCollect Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was billed for a vet bill in regards to a horse I do not own, nor have ever owned. I sent filed of the proper ownership along with a history of all ownership in the lifetime of said horse. I sent documents to Tek Collect multiple times to always get the run around. The situation is ridiculous to say the least. Next step is to seek legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.

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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm lost for words about my situation, first I disputed with no actual detailed information about an account listed on my personal credit file, I have requested validation directly from the company NOTHING RECEIVED, I have filed a complaint through the CFPB to the collection company XXXX XXXX USA # XXXX no response back from this company through the CFPB. 

For an item to be listed on my personal credit file which first is unknown, second very old and appears to be PAST THE STATUTE, not able to be validated how is this still on my credit file? Your company states your firm verified HOW?? If the actual company isn't responding to two different firms how is your firm able to? What was requested by your company? What was obtain to show I owe this bill I have no idea about and it's NOT mine? This is crazy, how can your company sleep at night?

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 2022-03-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Convergent Resources, Inc.
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:
Please also refer to complaint XXXX for previous information. 

I have sent requests to XXXX on XXXX, XX/XX/2019 and XX/XX/2019 and XX/XX/2019, asking they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX regarding this debt. In your response, CFPB wasnt able to forward it to the company for a response because the company is not in your complaint system. 

XXXX has sold this debt to Convergent Outsourcing, Inc. ( see attachment ) I have sent a letter to XXXX XXXX XXXX XXXX requesting they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX XXXX XXXX XXXX stating repayment terms.

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 2022-12-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following XXXX XXXX XXXX. I am requesting that you promptly update and delete this unknown account. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days of receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified 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 non-monetary relief
Consumer complaint received 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After having received 3 emails from Capital One to apply for a credit card that was ideal for my Score, i applied on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, i was denied a credit card without explanation. I did a research and found out that Capital One is on of the credit card Companies that Discriminates against Non XXXX  Americans and especially XXXX   like myself, plus is Misleading and Dishonest on the explanation given after they decline the application. Since i didn't received an explanation from Capital One i called Capital One after every time i applied but their representatives were Rude and Misleading of to why my application was denied. It seems like another Crooked and Fraudulent Wall Street Company who does business without any respect of the " Weak Consumer Laws '', not to mention that Capital One Defrauds credit card holders with their Sky high interest rates 25 % -30 % and fees while borrowing money from the Government with 0 %. After all that's why Capital One and other Financial Companies Bribe Politicians so they will Defraud consumers with Immunity. It would have been better to do business with Mafia than with Companies like Capital One, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Advanced Resolution Services Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) regarding their handling of a dispute concerning a public record on my credit report, specifically identified as record number # XXXX. 

I previously initiated a dispute with ARS regarding the public record appearing on my credit report. ARS claims to have conducted an investigation by contacting the XXXX XXXX XXXX on XX/XX/2023, and receiving a response on XX/XX/2023. They asserted that the bankruptcy record is properly associated with me based on a truncated Social Security number, as indicated in the attached XXXX XXXX filed in the United States Bankruptcy Court District of XXXX XXXX 

However, I strongly disagree with ARS 's conclusion. Their purported investigation, based primarily on a truncated Social Security number does not constitute a thorough or reasonable effort to verify my identity or the accuracy of the information. The use of such limited information, especially a truncated Social Security number, is insufficient and does not accurately link me to the reported bankruptcy record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My property 's mortgage was transferred from XXXX XXXX to Freedom Mortgage in XXXX. The principal account balance transferred to Freedom Mortgage is incorrect. My final XXXX as of XX/XX/2023 was {$700000.00}. The balance that Freedom Mortgage has for my account is {$700000.00}. I believe a combination of issues is occurring that is affecting the incorrect balance that Freedom Mortgage has. The first is that there is an incorrect date transfer of payment funds in Freedom Mortgages account from XXXX. XXXX. Freedom mortgage has the wrong payment dates from XXXX resulting in incorrect interest being applied to the loan balance. The 2nd issue is that it looks like the additional loan payment I made to XXXX was not applied to the loan balance when it was sent over to Freedom Mortgage. I have been unable to resolve this issue via phone with both companies and both have received a letter as well in which I have not received a response. 

I suspect that XXXX is keeping my extra principal payment and not transferring it over to Freedom Mortgage. XXXX  documentation proves that they received the transferred and applied it to my mortgage balance, but then transferred a higher balance over to Freedom.

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 2023-03-31
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX XXXX and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from XXXX XXXX  and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, Transunion and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter 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 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received an e-mail that I had a new document waiting for me from Capital One. I checked my account and saw that my account was being closed due to returned payments. I had forgotten I had the account set on autopay. 

I called Capital One to see what options were available to me as the card was already closed, but I still wanted to take care of the balance. The first rep I spoke with told me that it is not possible to waive any fees ( past due fees, over-limit fees, etc. ). He also said my account wasn't eligible for any payment plans. I asked to speak to somebody above him and he initially put me on hold, but when he came back, he basically told me that I was going to be told the same thing and there was nothing he could do. 

I then reached out to Capital One on XXXX as sometimes I have better luck with the social media team. They gave me two numbers to call other than the one on the back of my card, and all numbers routed me to the same call center. I spoke with another rep and told her the same thing. I said I wanted to get the account paid down, but I can not afford the minimum of {$110.00} and asked if I made a good faith payment of something like {$25.00}, if I could get on a payment plan and she said no. I also asked if payment plans freeze any fees so the balance can actually be paid down and she said no. I told her it basically sounds like I would never actually get the balance paid down as Capital One would keep charging fees and my payments would go towards the fees ( pure profit for Capital One ) and not the balance and she agreed. I asked to speak with a supervisor.

Supervisor gets on the phone and I have to re-tell the entire story once again. She agreed with what the previous rep said and that essentially Capital One will not waive any fees, will not put me on any sort of payment plan, will not freeze any fees or interest so I can make payments towards the balance and not have them absorbed by fees, and Capital in no shape, way, or form has the ability to help. I told her it sounds like my best option is to just let the card get completely charged off at the 180 day past due mark and then negotiate with the 3rd party collection agency that takes on the debt and she agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX  has sold debt to another collection agency. I have been getting emails, starting XX/XX/2023, from TrueAccord saying they have the debt but XXXX XXXX is still reporting like they have the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased XXXX Vanilla Visa Gift which are serviced by InComm Financial Services, each with {$500.00} on them. When I went to use the cards they did not work. When I went to check the balance, there was {$0.00} on each of them with dozens of XXXX transactions that I did not make which had drained the cards. The cards which were sold to me were clearly compromised, as I had just opened them and the money was already gone. InComm sold me {$2000.00} of fraudulent cards. For all I know, someone at InComm stole my money because they have provided zero information. They told me to file a dispute and sent me documents to sign, which I did. The disputes were filed XXXX XXXX, XXXX  days ago. I have called several times inquiring as to the status and they provide no information. 

The {$2000.00} that they have taken from me is needed to pay bills but they will not provide any information as to the status or if/when I will receive the money that I paid for. InComm lost and/or stole their money and it is their responsibility to return it within a reasonable timeframe, not 46+ days. 

The dispute numbers are : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When refinancing my home there was a change to my impound amount at the close which caused a shortage in my escrow account. I reviewed the initial estimate which appears to have the correct amount compared to the closing document that has a lesser amount. I feel I was misled and signed a misleading document, I am now being told my escrow account is approx. $ XXXX short and am told I am responsible to pay for this. 

Additionally, my closing statement also does match the beginning balance of the escrow account with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}

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 explanation
Consumer complaint received 2023-12-04
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
HAVE SOME INQUIRIES REPORTING THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT., I NEVER GAVE WRITTEN PERMISSION FOR THOSE INQUIRIES TO EVEN OCCUR AND THEY SHOULD BE REMOVED FROM MY CREDIT..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief