BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2023-07-13
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Southwest Credit Systems, L.P.
State: GA
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:
XX/XX/2022 and XX/XX/XXXX XXXX submitted debt verification letter. Received no response to my request to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2022 I was informed by midland credit that I owed a credit card debt of XXXX. I was never sent a bill although they informed me that a statement was sent to my address. I need more information than that because I had already been a victim of identity theft. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was attempting to pay ahead on my monthly XX/XX/XXXX Loan payment with partial payments through out the XXXX XXXX XXXXXXXX ( smart way to reduce interest ). I paid {$220.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, and was going the pay the XXXX XXXX. I only saw my {$220.00} payment applied as principal and my XX/XX/XXXX was never applied. 

I reached out to them on XX/XX/XXXX requesting that they reapply my XX/XX/XXXX payment and advise that my XX/XX/XXXX payment was never applied. 

They told me that they don't accept partial payments ( loan is current ) and that they returned my {$200.00} payment from XX/XX/XXXX ( not yet credited to my bank account ). 

It seems illegal for a mortgage company not to accept partial payments on a current loan. 

Can you help?

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given {$600.00} in AMEX rewards gift cards by XXXX XXXX after giving up my seat on a recent flight. The XXXX ticket agent who walked me through the rewards process assured me that I'd be able to use the cards easily after I expressed reservations about prepaid cards. 

I have been trying since XX/XX/XXXX to use the cards and the only merchant who has accepted the card has beenXX/XX/XXXX. I do not need {$600.00} worth of body products, so these cards have been useless. 

I followed the rules of the card and, since I learned that you can't use multiple cards, haven't tried to make a purchase that exceeded the card amount. When I called the number on the back of the card, I was taken through loops in the AMEX phone system, calling all over the world and speaking with representatives who were unable to assist. The system hung up on me several times. 

I am very frustrated. I'd like a check refund for the remaining balance. I have to use the cards by XX/XX/XXXX and it looks like I will be unable to. Please make these cards fair for consumers. It shouldn't be this difficult. They aren't worth it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31
Company: Monterey Financial Services LLC
State: MI
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 never signed a contract with Monterey Financial. They threaten to file suit against me. The debt is in collections they are adding interest every month to a account thats in collections and reporting it as late on my credit report. I tried contacting to solve debt by paying they wouldnt accept my offer. The manager doesnt know how to properly communicate. Theyre continuously harassing me calling either to early in the XXXX or to late in the afternoon. I would be satisfied if this debt is removed my account especially since theyre reporting false inaccuracies. If a account is added to collections as a debt that is supposed to be closed but still reporting as late and causing the amount to grow for no accurate reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/XXXX I got a deposit for XXXX I send about XXXX grand out to family and friend and paid for a couple things thru PayPal that same night they stop my account due to ususably activ come XXXX oclock in the morning I call I get into a debate with the lady she ban my account Also the week before they did the same thing I didnt get ban becuase of good conversation now XXXX is holding XXXX of my money that is well needed this is causing. Me to think XXXX they wont let it go

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCY ACCOUNTS HAVE BEEN DISMISSED AND I WOULD LIKE TO HAVE THEM PERMANENTLY REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAVE DAMAGE AND HARM MY CREDIT FILE WHICH HAS CAUSED ME TO BE IN DISTRESSED BECAUSE ITS HAS STOP ME FROM ACQUIRING NEW CREDIT AND HAS PUT MANY PERSONAL ISSUES ON HOLD.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called XXXX XXXX durning Covid and the company stated I wasnt to worry that I would be covered until the worst day came and I had a wreck. I called them and they did not help me. It left me with a total lose and now I owe the loan company and the person whos car I hit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today ( XXXX ) I just so happen to check my Macy 's credit card and noticed that there was a {$2.00} balance on it. Not knowing what the balance is for because I paid the balance off in full last month on XX/XX/23 which is prior to the due date and the balance should be {$0.00}. I reached out to Macy 's credit card line to get answers and was told by the representative ( no name given ) that it is a charge for a carried over balance. I explained that there was not a balance carried seeing as though I paid the balance off on XXXX which is weeks prior to the XXXX due date. The representative goes to tell me that I had a balance in XXXX which carried over to XXXX and that is what the {$2.00} interest fee is for. I explained that did not make an sense seeing as though the small balance from XXXX of {$1.00} was included in the XXXX statement which was paid off and should have brought the balance down to {$0.00}. She goes on to tell me she can waive the fee which I accepted and explained that someone would need to review my statements to see why I was charged the same {$2.00} fee prior. The representative gets a supervisor after a 15 minute wait. The supervisor was extremely rude to me and would not let me explain why I thought that the {$2.00} charge was not valid. He would over talk me and try to use his outside voice to try and intimidate me so I would not ask any questions and just accept that they would waive the fee. This is not fair business practices. I have even googled this and multiple people are dealing with the same issue with Macy 's and the {$2.00} interest fee they are automatically charging even when the balance is paid in full. It's extortion, imagine how much money Macy 's makes charging hundreds and thousands of people XXXX XXXX  monthly without their knowledge. It's not fair and it needs to be looked into!

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 2020-03-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was notified by XXXX XXXX that Equifax is not providing a up to date credit report for some error on Equifax part, I even attempted to request a annual credit report from Equifax under the FCRA and there is an error with my credit information not being retrieved or provided to any third party or the XXXX XXXX XXXX XXXX XXXX. 
Social Security Number of Consumer is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: NCP Holdings, L.P.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX has ignored all request to honor the privacy act of 1974, 15 USC 6802 and many other Codes and rights of mine as a consumer have been violated. XXXX XXXX XXXX has still been reporting to a nonaffiliated third party without my permission. In XXXX XXXX XXXX they were given notice to stop reporting and denied a copy of their terms and conditions which I never received from them> They were not the seller or the entity to whom I purchased from. The original contract was recently rescinded to XXXX XXXX XXXX I fount that XXXX XXXX XXXX is the third party that purchased my contract security. The contract was misleading and did not provide proper notice per my consumer rights. Today XXXX XXXX XXXX XXXX refused to provide updated Terms and Conditions and Privacy notice stated that It is with original contract which it is not because I never had an agreement with XXXX XXXX XXXX only XXXX XXXX XXXX which is voided. XXXX ignores my mail and emails ( per recorded call ) and they insist on arguing my rights instead of honoring the law. This account was deemed fraudulent, inaccurate etc per XXXX and XXXX and was removed many years ago. Experian continues to allow XXXX to break the law and infringe on my rights to opt out and or Rescission of any contracts.

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 2023-08-16
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NJ
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 went over my credit report and there is a account from XXXX XXXX that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account name : XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX 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.

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 non-monetary relief
Consumer complaint received 2021-08-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wanted a POD ( proof of death ) form and I contacted PNC 's retail support customer assistance department. I was told that I should go to a local ; branch. There isn't a local branch convenient so they told me to contact Ms. XXXX XXXX at XXXX and she needed info for the form. The info of the beneficiary needed was : Name, D.O.B., SS #, nationality, address & relationship. I've called her three times, get an answering machine which lists her hours and can not get a call back. Today I contacted PNC again and was again given Ms. XXXX 's hours ( XXXX XXXX XXXX  ) and to contact her. I've been a borrowing and checking account customer for over 20 years and can't get the common courtesy of a return phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After making a complaint about the total lack of cooperation with Ocwen they sold off to PHH Mortgage. They are two of the worst operators in the mortgage business and are well known to all brokers on XXXX XXXX. 
They have refused to work with me and have attempted to smear my name by writing defamatory statements to the XXXX XXXX. He subsequently has persistently ruled against me. And, what does a personally defamatory comment have to do wth a mortage. Even CFPB has sued Ocwen for abusive and fraudulen behavior in XXXX and collected {$200.00} XXXX. 

Now, XXXX XXXX has passed a law about abuse of borrowers in XXXX of XXXX and and XXXX XXXX and XXXX XXXX are refusing to dismiss the case against me -- even though I have XXXX XXXX and XXXX and the Foreclosure Abuse Act totally applied to me, A new modification was refused because they claim that I do not own the house ( which I transferred to my wife since I'm ill ) -- which I can correct with the stroke of a pen. And, despite the fact that they issued two modifications which their foreign clerks ( XXXX ) offered in the past under the same circumstances. THEN they AGAIN screwed up the loan processing. They could not even apply the payments to the right account caused me to stop paying. Then they valued my house at 50 % more than it was worth even though I provided an appraisal. 

OCWEN AND PHH SHOULD BE SUED BY YOU LIKE XXXX XXXX SINCE MANY BORROWERS EXPERIENCE THE SAME PROBLEMS REPEATEDLY. THEY OCWEN/PHH ARE ABUSIVE AND ARE A FRAUDULENT OPERATION.

Company response to consumer: Closed with explanation