BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Resurgent Capital Services L.P.
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:
According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.

Im allegedly obligated, not obligated.

You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-15
Company: Mortgage Research Center, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I filed covid 19 with veteran 's united homes loans, they sold my loan to a debt collection agency, now XXXX XXXX XXXX is asking for the lump sums of money during my covid 19 hardship I was experiencing during my loan through veterans united home loans. How can a company do this during a hardship situation. I had my car reposed during this time also, was behind on all my bills during the crisis situation. I currently started working again this year in XXXX, 2023

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 2023-08-15
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a personal loan in XX/XX/XXXX to consolidate credit cards! On my account statement, it shows XX/XX/XXXX that payment was received and credited to my account in the amount of {$1700.00}. On the statement, it also shows XX/XX/XXXX that there was a payment correction in the amount of {$1700.00}. Once I noticed this and began questioning XXXX, I have not been able to get straight answers. I once was told that they couldn't find the payment and was asked to send them proof. I went to my bank who gave me a copy of the cashed check with my account number written on it and XXXX Bank stamp on the back to show proof that they cashed it! They corrected the problem but then would continue reversing it. At one time, I was told by a XXXX representative that they still could not find any proof of the payment. Another time, I was told by a XXXX representative that the payment was found and her and her manager found that every time the payment was reversed to show payment, the computer was glitching and kicking it back out so her manager was doing an override and that it would be corrected! I just left my bank where the loan is through, and they again verified that the check was cashed by XXXX! XXXX Bank has now started the process to take me to court although they have received and cashed the payment in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX XXXX  XXXX Amount : {$110.00} XXXX XXXX XXXX XXXX XXXX Amount : {$140.00} XXXX XXXX Account XXXX XXXXXXXX Amount : {$2300.00} XXXX XXXX Account XXXX XXXXXXXX Amount : {$270.00} I contacted this creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.

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 2023-08-14
Company: Resurgent Capital Services L.P.
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:
Company is in violation of 15 USC 1692g ( b ).

Company never ceased with reporting to my consumer report after I disputed the debt.

Company is in violation of 15 USC 1681 ( g ) ( b ).

which states nothing in this paragraph shall be construed to REQUIRE a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

Company is in violation of 15 USC 1692 by using unlawful criminal means ruining my reputation by including accounts not permitted on a consumer credit report by law according to 15 USC 1681 A ( 2 ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one 360 performance checking XXXX Irs check : XXXX My account was frozen due to a certified IRS check and now they are closing mine and my fiance account without a good reason why and will not let me know what is going to happen to the XXXX XXXX dollars that is in my account I've called capital one they've been quite rude and secretive. I've even called the IRS to make sure they didn't send a bad check or anything and they said it was fine shouldn't have any problems The checks in my fiances name which his name is on my account and we cashed it in person spent half of it on our home remodel went to pay a bill and they had frozen my account you would think they would take action before i spent some of it. His direct deposits from work come thru there also. 

It's not like I'm not sending them proof I have sent them his whole tax return from his XXXX. I have sent where the IRS edited my return. Literally sent them everything they need to finish this investigation. 


The investigator has yet to call me, as he had any reason to freeze my account in the first place. I have a XXXX year old and a XXXX year old and I'm having to move in with my parents not because I don't have money but because my bank is HARBORING my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
XXXX, TX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct. Please accept this letter notification that I dispute the following items reflected in my credit report : Creditors Name : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX Provide me documentation that this is mine or delete it Note : PORTFOLIO RECOVERY ASSOCIATES has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.

1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any ch
art or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( Pub. L. 90321, title I, 112, XXXX XXXX XXXX 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XXXX XXXX XXXX, 124 Stat. 2107. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Bread Financial 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-13
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently submitted a request to my loan servicer documentation needed to request a XXXX XXXX XXXX XXXX but have denied my request. It is believed that the denial request is discriminatory in nature and without merit. I am a XXXX XXXX XXXX who was injured in a car accident on XX/XX/XXXX and onXX/XX/2021, which made my disabling conditions much worse and required additional medical treatment. 

The deferrment request was signed by my XXXX XXXX XXXX XXXX who acknowledge and confirmed my injuries have made it difficult to work at this time and require further medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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:
On XX/XX/2023 someone used my USAA card to buy from XXXX for a total of {$160.00}. After reporting the fraudulent purchase to USAA. The bank refused to refund the amount ; deeming it a legitimate purchase despite the fact that the purchase was sent to another person ( which I do not know ) to the address in a different state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called initially a few months ago and paid the account in full and requested it be closed I've continued to received bills and multiple credit statements, even after calling multiple times to close the account and being confirmed it was now closed. They continually reopen it without my knowledge or consent, and charge me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
Company: World Omni Financial Corp.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purches my car through USA Auto.I had this car for a year and my balance havent changed.I pay every 2 wks i paid 3 weeks on this car and didnt kno XXXX took over.Went to look at my account everything gone wthout a trace.After viewing my payments iam paying double for this car like XXXX dollars for a XXXX car.Dont kno wheres my money going at this point.Lost warranty on the car i really feel like this fraud and thy not stateing proper information on the paper work.If i let the car go back it might hurt my credit but i cant pay XXXX for a XXXX car.My pay off been the same for a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my car from US Auto about 3 years ago. At the time I purchased the car the amount on the payment was very high and I spoke to them in decreasing my payment due to financial situation or take back the car for a lower payment or better car where I was having issues getting in and coming out of the car was not good for my size and let them know I was having issues with the car and then putting tracking system in my car that was causing my battery to die at times. I reported it several time and they refused to fix until after my car shut down and they had to send someone to come a fix it. Now my car have been sold to another company that took my payment over without me knowing about and notice that I have pay about XXXX into the car and still have about XXXX left on it in which the other company is trying to collect on. I am in financial hardship and explain that to the company and would like to trade it or refinance my car and not getting the answer I need to get out of this car. Now I am hearing over the news. That Us auto is under federal investigation due to illegal repossessed people car and stated they are in Bankruptcy. I would to know if they can be any stop payment of my car since it's a XXXX XXXX XXXX and it over the market price. So the vehicle is already pay for. I need some help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Global Lending Services LLC
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:
XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I received a credit monitoring alert from XXXX indicating debt collection from PROCOLLECT , INC . Their details indicate collection from XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX with service address XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. The account # with collection agency is XXXX. The account # with energy company is XXXX. This is a case of identity theft. I have never been to XXXX, TX and do not know XXXX XXXX. I need this report in order to proceed with a dispute with the collection agency and the energy company.

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