BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Account # : XXXX Please know that this XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Account # : XXXXhas long been deleted in Transunion and XXXX side but XXXX still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.

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 2022-05-13
Company: EQUIFAX, INC.
State: AL
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 sent a certified factual dispute letter to Equifax that was received by them on XX/XX/XXXX at XXXX. I called on XX/XX/XXXX to check on the status and the representative, XXXX XXXX ID number XXXX, told me they had no dispute open. I have receipt of them receiving my letter. This is not the first time that I have not received a response. I have sent seve4ral letters of dispute and method of validation with no response from the company. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Portfolio Recovery is illegally reporting a collection account that does not belong to me. Original creditor : XXXX XXXX XXXX XXXX The account ( s ) in my name were created via identity theft. I've filed a police report and FTC affidavit to help resolve this issue. You need to stop reporting this account to my credit report and notify them to delete this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: LA
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:
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The following companies I did not go into any contractual agreement with the collection agencies, and has asked for the original contract and neither company provided one. 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

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-06-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received several notices from Bayview Mortgage that my payment is delinquent and my loan is now in default. I have attempted to contact them on numerous occasions to rectify the matter but Bayview has been unresponsive. I have also sent them a certified letter trying to resolve the issue but they have not responded. 

My account is fully paid to date. I have sent them documentation of checks sent going back to XXXX 2018 and Ive never missed a payment. 

The accounting error is with Bayview and stems from their attempt to place forced insurance on the property. This increased my escrow amount substantially and so my regular monthly payments were recorded at deficient. I contacted XXXX XXXX of the Bayview insurance department by email who indicated to me that she has removed the forced placed insurance as I provided her with adequate documentation of other insurance. She instructed me to contact the escrow department asking for an escrow review which I did to no avail. 

I am continuing to received calls and letters from Bayview that they intend to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my credit reports in mid-XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$650.00}. It is reporting under the company Resurgent/LVNV Funding. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXXAccount # XXXXXXXX XXXXAccount # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 to any 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 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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/2022, I used my Capital One credit card to charge the amount of {$9700.00} for a XXXX XXXX package for " XXXX XXXX that included XXXX flights, Hotel and camp accommodations, local transportation and guidance. XXXX failed to complete the booking then after10 days assigned me to a lesser package. However, due to so many problems with their process, timings and service, most of the items in the lesser package were not made available to me which made me pay third parties to be able to travel to complete the mission. I estimated the service that XXXX provided to me to be less than {$4000.00} therefore I asked for or refund of the amount {$5700.00}, after exhausting my options, I disputed that amount with Capital One Master card and gave me the temporary credit. XXXX weeks later, Capital One put the charge back based on the claim by XXXX that services were provided and asked for documentation to prove my case. I provided all what they asked for and more including receipts and second onion. Each time, I submitted documentation, they declined my case and I had spoken with them many times and they started playing games with me. 
Please help get my refund back for the the services that were not available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX Mortgage company was informed that the information reported on my credit file was incorrect. Even after reporting it to the various credit bureaus, they ignored or refused to remove the inaccuracies. I have been writing and communicating with XXXX to remove this information. 
Even after selling the property and paying them in total, according to their pay-off letter, they continued to report inaccuracies and make comments on my credit report that were not true. 
I can't understand the reasoning behind their continuing refusal to remove said malicious and erroneous information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I purchased ( 2 ) airline tickets on XXXX XXXX XX/XX/2020 on my Capital One credit card. 

XXXX XXXX cancelled the flights and I disputed the charge with XXXX XXXX and Capital One and received ( XXXX ) Purchase Adjustments for {$410.00} on XXXX XXXX, 2020. 

On XXXX XXXX, 2020, XXXX XXXX issued a refund to my credit card for the ( 2 ) airline tickets. 

On XXXX XXXX, 2020, Capital One issued ( 2 ) Transaction Rebills to reconcile the purchases and refunds. 

On XXXX XXXX, 2020, Capital One mistakenly charged a 3rd Transaction rebill for {$410.00}. I phone Capital One on XX/XX/XXXX to dispute this mistaken 3rd charge and after more than 1 hour Capital One stated that the mistaken {$410.00} charge would be reversed before my XX/XX/XXXX statement closing date. I called Capital One again on XX/XX/XXXX to request reversal of the mistaken {$410.00} charge and was informed it would be reversed before my statement date. I also disputed this mistaken charge by certified mail to Capital One - there is no other option ( online or otherwise ) to dispute credit card charges with Capital One. 

Capital One finally reversed the mistaken {$410.00} charge on XX/XX/2020 - nearly XXXX weeks after it was promised. Capital One 's failure to reverse the charge impacted my credit report and credit score XXXX from a XXXX to a XXXX ). 

Capital One is currently repeating the same misconduct with a second disputed airline ticket for a canceled flight with XXXX XXXX. I disputed the XXXX XXXX charge by certified mail on XX/XX/XXXX ( received by Capital One on XX/XX/XXXX ) and spoke with Capital One on Thursday, XXXX XXXX, 2020. Capital One said that the charge would be reversed pending investigation in 2-3 days. I called Capital One again on Saturday XX/XX/XXXX and Tuesday XX/XX/XXXX, but the disputed charge acknowledged by Capital One has still not been reversed contrary to Capital One 's statements to me on XX/XX/XXXX and XX/XX/XXXX. XXXX, Capital One 's misconduct is adversely impacting my reported credit limit, credit report and credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is not a duplicate of Complaint number : XXXX as the date ( s ) of occurrence ate different occurring between XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX to present as in complaint XXXX. 
Product : Mortgage Issue : Improper use of your report Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports for unlawful purposes after foreclosure processes had been initiated. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/XXXX and XX/XX/XXXX. 
What would be a fair resolution to this issue? 
Credit report corrections and other related updates, changes and correction such as new identification numbers as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture identification, new social security number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well.

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 2022-05-13
Company: DriveTime
State: GA
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:
accordance with the Fair Credit Reporting act 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 Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2022-05-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I unfroze my credit to allow my local bank to run a credit check for a mortgage. In a period of less than XXXX hours someone else ran a credit inquiry for a credit card which I did not approve or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MS
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 report act XXXX numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
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

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 2020-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive received a debt from XXXX XXXX XXXX/Syncb since XX/XX/2018 saying I owe them for lord knows what. I never received a bill or a letter, nor have I ever even applied for whatever credit card this is for.

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 2018-05-05
Company: National Recoveries, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This story goes pretty far back so I am going to try to be brief about it. 
In XX/XX/XXXX I took out a student loan, it went into default in XX/XX/XXXX. I got out of default on a rehabilitation program but due to lack of income and stable work I could not make my payments so it went back into default and into collections. 
At this time the company XXXX XXXX told me on the phone that my tax returns were flagged to be garnished to pay off the debt. I agreed and continued to file yearly and for 5 years I did not receive a return. I thought the loan was being paid off, as naive as it may sound, i thought this was all true. 
5 years ago I started receiving my returns again and when I checked my credit score, low amd behold, my student loans read at {$0.00} balance and closed. I felt relief. 
XX/XX/XXXX of this year my employer brings me a wage garnishment letter [ attached ] and that I owe almost {$10000.00} on my student loan. When I called the company to ask what this was about, they informed me they bought my loan in XX/XX/XXXX and because I did not contact them, they have rights to garnsh my wages. I chose to dispute this as they gave me the option to. I even called IRS about all the returns I didnt receive. They said they were never told to garnish my returns and they have been sent to me every year. I couldnt believe it. 
The letter they sent back to my dispute [ also attached ] was plain ridiculous. They said it is the credit bureaus resposibilty to report there loans, not theres. This has not been reported to anyone and they claim I have to pay almost double my loan in penalties and oh yea, there commission of just under {$2000.00} [ in there letter ]. This can not be legal. All 3 credit bureuas told me that it is the loan holders responsibilty to report the collection account within 90 days, its been 4 years ....!!!!! Please help me resolve this, they refuse to budge on there standings and they are wrong on so many levels in this for letting a collection account gain interest and fines and penalties for 4 years and then try to take the last bit of my paycheck that puts food in my mouth. 

Company name is : National Recoveries , Inc . 
Department of education National payment center

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 spoken with transunion and they asked me to follow some steps and send them documentation that shows that I have completed those steps to address my identity theft and the fraudulent accounts on my credit report. I have sent those documents by certified mail to them and I have also attached the documents here

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 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have previously through the Credit Reporting Agencies, stated that this is the result of Identity Theft and Portfolio Recovery Associates, will will cooperate with me.

Company response to consumer: Closed with explanation