BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I informed the company by written notice and verbally that I am a victim of identity theft and as a result this account was fraudulently opened to obtain a apartment. I have made countless attempts to reach out to them however, they have failed to respond to my verbal and written notices, instead they sent my account to collection without giving me the opportunity to dispute the debt. The amount of debt Rent Recovery Solutions, LLC claim I owe is {$3200.00}. The account number is XXXX. No one answers the phone, after I am prompted to click option 2, the phone hang up. 

I have sent letters such as Identity Theft Affidavit, FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible.

also enclosed a copy of the FTC 's Notice to Furnishers of Information which explains their responsibilities when reporting information to CRAs. PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

I requested to close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit file. I also ask for written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is an additional problem from a complaint that was filed with Consumer Finance and taken care of by you guys back in XXXX of XXXX that was not discovered until trying to file for a divorce. The Case # then was XXXX-XXXX. If you look that file up you can see what took place. We thought it was taken care of but found that the loan company that we originally dealt with put 2 deeds of trust against our home rather than just the one. The loan company had us sign a second set of paper work about 5 weeks after we signed the first saying that they had left something off. The first set of paper work is for {$61000.00} and the second is for {$61000.00}. So both deeds of trust were sent to XXXX County Tennessee Trustee and put against the home. One of them was released when the loan was paid off and not both deeds of trust. You should be able to get an idea of what I am talking about with the attachments. The problem is that when the loan was taken out in XX/XX/XXXX XXXX/GMAC Mortgage was the lender and part way through the life of the loan XXXX went out of business and our loan was turned over to OCWEN. Please help me with this matter if at all possible because I don't have another avenue to go through for this. OCWEN was not even willing to put our last payment toward our loan until I got Consumer Finance involved in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your 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
Consumer complaint received 2021-03-30
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 have had a very difficult time resolving my issue with equifax. I advised them I was a victim of fraud. I called the consumer service line and spoke to a young lady named XXXX in XXXX and she advise me that she cant access my report. I filed a report with you guys previously and they advised you I didnt provide Enough info for them to address my concern. Which I clearly did by providing my social. So this time Ive attached a copy of my social security card and id since equifax keeps ignoring my concerns. Im requesting a current copy of my reporting I was a victim of theft the items have already been removed by equifax I just want a copy of my report reflecting that because for some reason Im getting conflicting information. So once again so that theres no ring around the roast Ive attached a copy of my personal identification along with the copy of the letter equifax sent saying this account was deleted. As well as other items showing account deleted please ensure items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NE
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 am submitting this request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/20XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
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 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX and my XXXX had begun to fall off and when my XXXX falls off, I dont get paid, and when I dont get paid, I cant pay my bills. I have stayed in contact with Kohls Credit Center and requested numerous times for assistance and was denied that help now that the Coronavirus has hit and is affecting my business, I decided on XX/XX/XXXX to make another stab at it and contact them once again. I informed the representative the problem and the only response that I could get was that in order to assist me i would have to pay the past due in full and then they could help me with the past due being XXXX, I explained that if I had the XXXX I would not need the assistance and now that the county was in a Global Emergency all credit card companies were supposed to lower the interest rates, and work with customers any way possible, anything to assist them in bringing their accounts current, skipping a payment due, lowering the payments and many other suggestions have been on the news. However They did not offer me anything and I told them what I could pay and the rep stated that they would continue to contact me in order to collect the debt. I have fully told them on numerous occasions I knew I owed it and have had the credit line since XXXX, never asked for assistance before now usually if I missed a payment I payed double the next time around but this time I have not had much luck with them and I have other creditors but Kohls is the only ones so far that would not agree to work with me. Furthermore, unbeknownst to me I was not told that day that the account has already been closed and was not offered any assistance with the closure other than the same thing and I told them that they would get what they get because now that we are in a national emergency. The next thing I knew is I get my monthly statement stating my account has been closed and the past due was / is due immediately and then I got a letter in addition to the statement demanding the past due of XXXX within 30 days and if not paid the whole balance could be called due and payable then. We are in a global state of emergency and it is awful that the news stations and internet news advises a person to contact their creditor but what do you do when the creditor refuses to work with the customer regardless of any past due situations and I also understood that no accounts were to be closed either. I have attached both the letter and statement for your reords

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/FURN is reporting that we missed a payment but we did not. we paid extra the month before so when we got on to pay the payment the following month it said we did not have a payment due. When we got on the following month ( 3rd month ) it said we had missed a payment. We have never missed a payment. The account is current and should be removed from the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a carecredit account through Synchrony Bank. The card allows for the payment of medical bills, with a 6 month interest free grace period on all charges over {$200.00}. If the promotional purchase, as they call it, is not paid in 6 months, they charge an extremely high rate of interest. 
I attempted to make a payment via my husband 's bank account on XX/XX/XXXX through the website, but an error occured and my payment did not go through, but I was not notified until XX/XX/XXXX of this, which caused my promotional purchase to expire, therefore causing the account to be billed with XXXX dollars in interest. I contacted our bank and was informed my information was correct and there were sufficient funds. I called carecredit and was told that if I paid by XX/XX/XXXX, they would reverse the interest charges. I immediately paid them {$6000.00} from my bank account, which went through with no issues. 
Since then, I have made about twelve calls/online chats with carecredit, and the issue has still not been resolved. I was told on one of the more recent calls that I would only receive reimbursement if I paid an additional XXXX dollars. I paid that, and requested that it be allocated to the expired promotional purchases and that my interest be refunded, as promised by multiple carecredit representatives. They did not allocate the money properly, so my account is still incorrect, and I still have not recevied reimbursement. 
They allocated the money to purchases that expire in XXXX, so if they money does get adjusted properly, it will cause me to incur interest on the XXXX payment, which I am ready to pay now, but can not due to how they have allocated everything. It would be on promotions ending in XXXX and I would have to go through this all over again.

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 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I received a call on Friday XX/XX/2022 from Capital One Fraud Department reporting that a credit card application was submitted in my name. The Fraud Deparment was calling to investigate whether or not I had attempted to submit an application. I had not requested a credit card nor do I have a credit card with CapitalOne. 

On Monday, XX/XX/2022, I called the Fraud Department to report the fraudulent activity and was assured by the representative that the matter would be marked as " fraud '' and the application denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting 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 15 U.S.C 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 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.

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 2023-03-12
Company: Bread Financial Holdings, Inc.
State: OH
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:
This account was permanently deleted from my XXXX reports and they transferred this account to a collection agency as a sold debt without my consent to sell my personal information. There are many violations according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Paramount GR Holdings, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I previously filed complaint XXXX with CFPB XX/XX/XXXX regarding GoodLeap LLC XXXX The company response was that they would respond to me directly by mail, but they did not send a response to the complaint. 

I also filed a complaint with the Department of Financial Protection and Innovation on XX/XX/XXXX - complaint # XXXX. GoodLeap responded to the complaint on XX/XX/XXXX stating in short there were errors and confusion, and they mishandled the assumption process and would have all negative credit reporting removed from my name. Signed by XXXX XXXX - Fraud Analyst of XXXX As of the date of this complaint, GoodLeap still has not removed the negative reporting. I have contacted them to request removal and they have not responded or removed the negative information from my credit report. 

I have disputed this with the credit bureaus as well - GoodLeap continues to respond to the credit bureaus the information is valid - even after admitting their mishandling and the information needing to be removed. 

GoodLeap is claiming I opened an account with them in the amount of $ XXXX on XX/XX/XXXX. I never signed an agreement to assume $ XXXX in debt with GoodLeap or LoanPal. They do not have a signed contract to support this account. 

When I request support for the account, they forward an agreement with LoanPal in a lesser amount - that was subsequently voided. They left this important information out of their response to the Department of Financial Protection and Innovation - complaint # XXXX. 

GoodLeap admits they made errors and was confused as noted in the attached excerpts. They are also aware they do not have a valid agreement to support this debt. They are maliciously reporting negative information on my credit to intimidate and bully me into assuming someone else 's full debt, due to them ( admittedly ) mishandling the process. 

GoodLeap 's malicious behavior is not allowing me to continue my business affairs and making me loose income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX 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 2022-03-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank abruptly closed my checking account on XX/XX/XXXX. All they said was the reviewed my account and closed it. I never did anything wrong. I have been with them for more then XXXX years. Also have credit cards through them. I know they are allowed to close my account when they want to as they stated on the client manual. I have never done any fraud or money laundering of any sort. I want open a new account or reopen my old one but they are saying they don't want me. All their customer service people don't know the reason it was closed too.

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