BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Associated Credit Services, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reached out to iXXXX XXXX once again to resolve this issue, but they had closed my account. I was behind on payments bc of the COVID-19 outbreak and it shut our company down. They assured me they wouldnt add any interests or close the account. I was able to make a payment and then when I reached out to them to pay the balance in full, they ahead closed it and turned my account over to Associated credit services. They sent me a letter asking for payment but the damage to my credit was already done. Now I have a charge-off on my credit report bc XXXX XXXX  refused to work with during these hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint today XX/XX/2019 because Transunion has ignored my request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank 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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with experian. this has been an ongoing issue that needs to be resolved. this is my 2nd attempt to delete an clear all items. please review and remove the listed items to fix an clear my credit report asap.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: VA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX, I opened a personal loan for {$4500.00} with XXXX  XXXX XXXX. In XXXX, I had that same loan with XXXX XXXXXXXX XXXX increased into a new loan amount of {$9000.00}. In XX/XX/XXXX, I then applied for them to convert that personal loan into a line of credit and it was increased to {$11000.00}. 

In XX/XX/XXXX, I lost my job and by the end of XXXX became unable to keep up with payments with XXXX XXXXXXXX XXXX leaving an outstanding debt of {$7000.00} from the line of credit I had established with them in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXXXXXX XXXX " charged off '' the account but then XXXX  XXXX XXXX took the outstanding debt of {$7000.00} they charged off and created it as another NEW line of credit and reports it as a new line of credit on my report as of XX/XX/XXXX. Last week I had an agency, whom I gave temporary power of attorney, to contact Hawaii XXXX XXXX to discuss the credit and to negotiate a settlement. XXXX XXXX did release some information, however, they were unwilling to have a conversation or to provide information on how the debt owned was converted to a new line of credit established in XXXX as it appears on my credit report. 

How can a new line of credit be established as new credit in XXXX and it is not? It was given a new account number as well. 
Can XXXX XXXX XXXX do this to keep the negative account information " fresh ''?

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 2023-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second complaint against the unlawful acts of Portfolio Recovery Associates LLC. Please see CFPB Complaint XXXX XXXX. Portfolio Recovery Associates LLC provided false information to CFPB in its response stating that Portfolio Recovery Associates provided to me, all requested validation of the alleged debt. 
My first requested document was a copy of the original contract between XXXX XXXX and Synchrony Bank. Portfolio Recovery Associates LLC failed to provide the requested document but stated in its response that Portfolio Recovery Associates LLC had purchased an account AND contract. 
Portfolio Recovery was obligated to comply with the federal Fair Debt Collection Practices Act ( " FDCPA '' ) and the Texas Debt Collection Act ( " Texas Act '' ). The former makes it unlawful for a debt collector to " use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e. That prohibition includes, among other things, communicating " credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Id. 1692e ( 8 ). The Texas Act contains a parallel prohibition. See TEX. FIN. CODE 392.202 ( a ), 392.301 ( a ) ( Portfolio Recovery Associates LLC failed to communicate with consumer reporting credit agencies that this alleged debt was being disputed but instead, provided partial documentation which did not suffice what was requested from them. And as a result of Portfolio Recovery Associates violation of 15 USC 1692e ( 8 ), a credit application from myself to studentaid.gov for a Parent Plus Loan to help pay for my son 's college education, was denied solely based upon the Portfolio Recovery Associates collections account shown as a negative reporting on my consumer credit report. The FTC and FCRA encourages fair reporting to reporting agencies but Portfolio has denied me of any fairness through violations. 
Recently, Portfolio filed a lawsuit against me alleging that I, XXXX XXXX, owed a debt to them. Attached to the lawsuit is documentation which supposedly supports the alleged owed debt. Portfolio Recovery Associates LLC provided a Bill of Sale which does not include any alleged account information supposedly belonging to XXXX XXXX. 
As a consumer, I am fully aware of the courts most recent decision of the CFPB XX/XX/XXXX lawsuit filed against Portfolio Recovery Associates for their violations against the 2015 Order, the CFPA, FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V. 
Portfolio Recovery Associates have continued with these violations in spite of the final judgement results of the lawsuit and I want to make sure CFPB is fully aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX 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 2023-09-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
1st Florida Lending, XXXX XXXX XXXX XXXX XXXX co-conspired to manipulate purchaser to overpay fees and points for the highest available rate by failing to communicate in a timely manner, changing the terms of the loan two hours before closing, and not providing disclosures in advance of closing. Delayed closing for over two weeks putting purchaser at risk of losing XXXX XXXXXXXX deposit. After closing 1st FL Lending, XXXX, and XXXX co-conspire to force foreclosure by refusing to make corrections to closing documents and imposing undocumented excess of escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to express my deep concern and disappointment regarding my recent experience while attempting to open an account at capital one bank XXXX XXXX XXXX, I tried to open a new checking XXXX account, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in XXXX but i ignore it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. 

As a responsible and law-abiding citizen, I have never encountered any issues in opening accounts at other financial institutions. Hence, this unfortunate incident has led me to believe that there might have been some form of prejudice or discrimination during the account opening process at your bank. 

I must emphasize that discrimination based on race, ethnicity, gender, or any other protected characteristic is both unethical and illegal. Such practices go against the principles of equality and fairness that our society upholds. I find it distressing that an institution as reputable as yours would engage in such behavior. 

I kindly request a thorough investigation into the matter to determine the reasons behind the denial of my account application. Furthermore, I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that your bank complies with all anti-discrimination laws and regulations. 

I trust that your institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I am currently in the process with Wells Fargo for a mortgage. 
I told Wells Fargo that some of the information is inaccurate on the report and all items are at a {$0.00} balance but not reflected on the report they have. I asked them to re-pull an updated report, they are telling me that they are not allowed to update my report unless it expired. This will cause me to have a much higher interest rate. 
According to UDAAP this is also highly discriminatory as numerous other Wells Fargo customers normally update their credit reports to reflect updated and more accurate information. If they thought the updated information was negative they would immediately update it. Since the information is positive they are discriminating against me so they can charge a higher rate.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX - Account # : XXXX XXXX XXXX - Account # : 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 an 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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-15
Company: EQUIFAX, INC.
State: UT
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 defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar.

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with XXXX  young children because we can not qualify to rent anywhere or get a mortgage.

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately.

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-01-15
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage, but my current mortgage holder AmeriSave XXXX XXXX, is refusing to provide a payoff statement to my refinancing broker or myself. 
AmeriSave Mortgage Corporation is refusing to provide the payoff statement even though they have received my signed consent that was provided to them through the refinancing broker. Also, since AmeriSave non-responsiveness I have personally called AmeriSave XXXX XXXX 4 times to request a payoff statement, but it does not seem they are willing to provide the payoff statement. 

CFR section 1026.36 ( c ) ( 3 ) Payoff Statement, clearly states : In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. When a creditor, assignee, or servicer, as applicable, is not able to provide the statement within seven business days of such a request because a loan is in bankruptcy or foreclosure, because the loan is a reverse mortgage or shared appreciation mortgage, or because of natural disasters or other similar circumstances, the payoff statement must be provided within a reasonable time. A creditor or assignee that does not currently own the mortgage loan or the mortgage servicing rights is not subject to the requirement in this paragraph ( c ) ( 3 ) to provide a payoff statement. Official interpretation of Paragraph 36 ( c ) ( 3 )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: WELLS FARGO & COMPANY
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX / Wells Fargo has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-10-14
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit history shows that my final bill for XX/XX/2018 was 30 days late, thus giving me my only negative mark on my credit report. I believe this late payment is not correct as I paid off my loan off during that same month. Im not sure why Volkswagen Credit would give out negative marks to a loyal customer who paid on time every time and paid my loan in full. This company should not be dealt with!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: SinglePoint GI
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A phone number associated with the General Revenue Corporation XXXX XXXX, OH calls multiple times every week day, always at least twice. When I answer the phone, no one responds and they hang up after about 10 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 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