BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Upstart Holdings, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Early XXXX I received solicitation from Upstart Network ( aka Upstart Holdings Inc. ) promoting personal loans with flexible payments, fair underwriting, and low interest rates. In the solicitations I was " pre-approved '' and equipped with an approval code. Within ( XXXX ) year of receiving the loan, I experienced financial hardship. Prior to, I made all payments as outlined in the loan agreement. I reached out to Upstart on multiple occasions seeking assistance, and a reasonable adjustment that would allow me to continue to me my debt obligation with Upstart. In oppose to offering income-based payments and/or a reasonable hardship repayment option- Upstart has resorted to predatory practices. These practices consist of promoting continued loan payment deferent with continual interest accrual, increased payment amounts, extended loan terms, etc. All the readily available options facilitate a cycle of debt, astronomical interest with fees, and payments are not applied to any principal amount. Upstart actions are aligning to that of predatory lenders who opt to force deferent/forbearance instead of reasonable repayment plan. Moreover, upon further research, Upstart underwriting practices violate The Equal Credit Opportunity Act ( ECOA ), by utilizing an applicant 's education level as an underwriting key factor. Unfortunately, these details were omitted from the several solicitations that were mailed to me and lured me in with the promise of a " pre-approved '' low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: HYUNDAI CAPITAL AMERICA
State: NY
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 Have complained and disputed twice now with XXXX XXXX about an Error with a lender ( Kia Finance ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX  and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yes my name is XXXX XXXX XXXX I am a XXXX year old lady still working a full-time job trying to keep my home I have my mortgage through OCWEN LOAN SERVICE. MY PAYMENTS ARE {$570.00} A MONTH I HAVE BEEN SENDING {$600.00} A MONTH PROBABLY FOR THE LAST COUPLE OF YEARS I RECENTLY MAILED IN XX/XX/XXXX AND XX/XX/XXXX PAYMENT I SENT {$1200.00} THEY MAILED IT BACK TO ME AND TOLD ME THEY COULD NOT ACCEPT IT BECAUSE I DID NOT HAVE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENT MADE I ALWAYS SEND A CASHIER 'S CHECK OVERNIGHT IT THROUGH THE POST OFFICE AND REQUIRE A SIGNATURE WHEN THEY RECEIVE IT I HAVE COPIES OF WORD SOMEONE HAS SIGNED FOR IT AND RECEIVED IT BUT YET THEY HAVE NOT APPLIED IT TO MY LOAN AND THEY CONTINUE TO SAY I HAVE NOT MADE MY PAYMENTS AND CHARGE ME LATE FEES I WOULD APPRECIATE IT IF YOU COULD HELP ME GET THIS RESOLVED. I hope I did this all correct I am not up-to-date too much on all this computer stuff but if you need any more information just please email me and I will get my daughter to help me do what I need to thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: KS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-08-15
Company: Emerald AR Systems, LLC
State: AZ
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 have a loan with EMERALD AR ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, EMERALD AR ( Original Creditor : XXXX XXXX XXXX  XXXX ), XXXX, and XXXX/XXXX  with no successful resolution. There was definitely an error on their part.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: CA
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 discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: KS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-03
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: Account information incorrect

Complaint:
Experian has false information on my credit report. in addition to CRAs and creditors NOT sending the requested copy of signed contract also shows charge offs on my account while also stating a 1099 was sent. Per IRS law 1099 statement are claimed as income. CRA 's are not to report income on credit reports Also, I never gave permission for the creditor or CRA to furnish my personal information. 

By law, reinvestigations are to be completed within 15 days. I do no give permission for more time to complete

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, I am seeing a XXXX collection illegally reporting on my consumer report. I have requested the collection agency to provide me a letter/document validating that the medical debt belongs to me. The debt collector have not responded to my requests. I have called the agency multiple times and could not get a proper resolution. TransUnion is illegally reporting inaccurate medical information on my consumer report and violating HIPPA law. I would request this collection be removed immediately from my consumer report. 

Debt collector : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Thank you for your consideration. 
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 2023-04-20
Company: Albert Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They are not releasing my money. I attempted a purchase on Friday XX/XX/XXXX at XXXX XXXX  in the amount of {$2500.00} but the merchant was unable to process the transaction and I immediately received a screen that said " your transaction could not be completed ''. The money is gone from my Albert account. The screen says it could pend for XXXX to XXXX days. It's been XXXX days total and XXXX full business days and I still don't have my funds back. Albert initially told me the hold would release in XXXX and now they're saying XXXX. They refuse to give me a statement on their letterhead to give to the merchant and they refuse to release the funds. The merchant has given me proof that the transaction didn't even begin processing on their end. I submitted the merchant proof to Albert and they STILL will not release my money. THEY ARE THEIVES. 
THERE IS NO NUMBER TO EVEN CONTACT THEM ON! I keep waiting for texts from them.

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 2023-10-09
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been waiting for my credit card for about 3 months and they still haven't given it to me. They do not provide me with my account number so it is very difficult to make payments by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: California Accounts Service
State: AZ
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 have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), CA ACCTS SVC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), CA ACCTS SVC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2019-08-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: GA
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 this letter in response to the recent collection notice I received from XXXX XXXX XXXX regarding a debt that THEY claim I owe. I am aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 ), and I believe that your collection efforts are in violation of this law.

As per the FDCPA, it is illegal for debt collectors to use abusive, deceptive, or unfair practices when attempting to collect a debt. I strongly believe that your agency has violated this law by engaging in the following practices : THEY DO NOT HAVE THE RIGHT TO COLLECT IN THE STATE OF GEORGIA THEREFORE THEY SHOULD NOT BE REPORTING ANYTHING ONO MY CREDIT REPORT THEY ARE NOT ON AMY OTHER RPEORT OTHER THSAXXXX XXXX AND XXXX REFUSES TO REMOVE THE ACCOUNT In light of these violations, I demand that your agency immediately remove this collection from my credit report and cease any further collection efforts related to this debt. I also request that you provide me with written confirmation that you have taken these actions within 30 days of receiving this letter. 

Please note that I am prepared to take legal action if necessary to protect my rights as a consumer under the FDCPA. I urge you to take immediate action to remedy this situation and avoid any further legal action.

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 2020-08-15
Company: Resurgent Capital Services L.P.
State: AZ
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 have a loan with CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX Equifax XXXX  XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested an extension on my COVID-19 forbearance plan on my FHA Mortgage from PHH Mortgage. 

On XX/XX/XXXX XXXX PHH Mortgage responded " Dear XXXX XXXX Please be advised we are unable to enroll the account under the Temporary Hardship Forbearance Payment Plan as the account is in foreclosure. '' I have copied and pasted from the Department of Housing letter issued XXXX XX/XX/XXXX. 
The U. S. Department of Housing and Urban Development Mortgagee Letter XX/XX/XXXX states " Moratorium on Foreclosures and Evictions and Extension of Deadlines FHA-insured Single Family mortgages, excluding vacant or abandoned properties, are subject to an extension to the moratorium on foreclosure through XX/XX/XXXX. The moratorium applies to the initiation of foreclosures and to foreclosures in process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2020-08-15
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: Investigation took more than 30 days

Complaint:
XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX XXXX  Transunion XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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