BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I have received a copy of my credit report and it shows company Capital One account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have initiated communication with TransUnion on multiple occasions regarding various accounts and discrepancies that are not relevant to my profile. Regrettably, TransUnion has amalgamated my credit bureau account with that of my son, XXXX XXXX XXXX. This conflation encompasses his social security number, auto loan, and student loans. I earnestly request that an inquiry be promptly conducted into this matter to effectuate the necessary rectifications.

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 2020-09-29
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 had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XXXX  balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to Experian and XXXX and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.

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 2020-12-20
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people call my job everyday all day long and harass me and my coworkers. They are even calling my friends and family. I would like it the harassment to stop. I don't know who they are but I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XX/XX/2023 XXXX XXXX XXXX of XXXX, XXXX  Not only ran too many Credit inquiries sometimes to the same Finance company, But they sold me a Service Contract that I made extremely clear I did not want to purchase. When I put my foot down the Finance XXXX XXXX, insisted Ally Financial required a Service Contract. 

After my Hospice visit to XXXX, I returned to XXXX  and called Ally Financial who informed me that I should not have been forced to purchase a service agreement, nor was it a prerequisite for them to accept the Loan. 

XXXX  DOJ Consumer Relations contacted this Dealer and negotiated an adjustment. 

The Dealer did not re-write the Loan Contract, but instead sent a Check to them for {$1800.00} ; negating the Taxes on this amount. 

I sent an email to the Manager and he refused to rewrite the Loan, by saying " not gon na happen ''. 

XXXX also failed to asked whether I would prefer to pay cash for the Registration Fees, instead they included this inflated amount into the Financing.

Now I am paying an inflated Interest Rate Due to multiple inquiries ; undue finance charges due to unnecessary charges. 

And, the Dealer had me driving with an expired Temporary Tag because they did not register the Vehicle in a timely fashion. I had to get XXXX Dept. of Motor Vehicles to get this Dealer to provide me the Tracking # so the XXXX  DMV to trace my documents. 

A complete stressful, nerve-racking nightmare.

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 2023-04-19
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is saying I owe them {$1000.00} I do not owe them they responded with a signature for a guy name XXXX who is it me and I am not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed an account from a company called XXXX XXXX. I do not know what this company is and have no debt with this company. I tried contacting the collection company and was rudely threatened being sued if I didnt pay the balance owed, yet they would not provide any information about the debt and where it originated. The debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
Im 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 privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent.

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) 7XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer got into my email account and had passed as a landlord and credit card settler. They manipulated my family and I to send them money via XXXX. Telling us it would cover the landlords monthly payments and the debt owed to a gas credit card company. Total taken was {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my fourth complaint regarding fraudulent and predatory practices of New Rez aka Shellpoint mortgaging services during healthcare crisis and national pandemic. 

These companies deceitful acts are to be exposed and investigated. 

In response to my complaints to these companies, including to their escalations department, LM specialists including XXXX XXXX, XXXX XXXX etc, New Rez /Shellpoint issued another response dated XX/XX/XXXX which this time is unsigned. The said response was uploaded into the CFPB website by New Rez/ Shellpoint. In accordance with GBL, the consumer is entitled to know the name and the title of person responding to the consumers complaints. 

The said response stated in paragraph 4 : Loss Mitigation Department representative attempted unsuccessfully to reach you at a phone number ending in XXXX on XX/XX/XXXX and XX/XX/XXXX to discuss extending your forbearance for an additional three ( 3 ) months toXXXX XXXX, XXXX ; a voicemail was left from the XX/XX/XXXX contact attempt. 

When I again contacted Loss Mitigation, LM Specialist XXXX XXXX stated that : We cant extend the forbearance plan toXXXX until XX/XX/XXXX.. 

XX/XX/XXXX is the deadline on the current forbearance. Leaving no grace period for extension puts the loan into a possible default, and is unconscionable. 

I have sent numerous correspondence to the company requesting their official position as to why despite of the companies statement that your XXXX XXXX XXXX XXXX f//k/a XXXX XXXX   ( XXXX ) backed loan is entitled to a 12-month forbearance period total, in maximum increments of six ( 6 ) months, if you request it due to a sustained inability to make your full contractual monthly installment payment, no forbearance or any response is being provided as of XX/XX/XXXX and my correspondence is being simply ignored. 

As a retaliation to my inquiries into the companies fraudulent practices, my escrow account is being charged for insurance when my condo and HOA insurances are current and active. Copies provided to NewRez and Shellpoint. 

As such, signed response to this complaint is requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 2023-04-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, Equifax, and XXXX. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2022-11-30
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: DISCOVER BANK
State: IA
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:
Discover Bank XXXX XXXX XXXX XXXX DE XXXX  Account : XXXX Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX   TERMS AND CONDITIONS OF DISPUTE 1 ) These accounts, opened in XX/XX/XXXX andXX/XX/XXXX commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXX thru XX/XX/XXXXtimeframe.

2 ) The address provided to and reported by Discover Bank is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) Discover Bank failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Discover Bank to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) XXXX XXXX  was living abroad at the time this account was created. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX a reporting from convergent outsource was placed in my credit report from XXXX XXXX XXXX amount of XXXX. As stated by XXXX this account is from XXXX. My identity was stolen in XXXX. I sent them documentation of the incident. Once I noticed convergent was reported on my credit report I immediately did a police report. I went through all the steps repeatedly and nothing happened. I went through both convergent outsource and XXXX  more that two time and went to numerous XXXX stores, where they had me provide documentation.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, XXXX, and Experian. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.

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 2020-09-29
Company: We Collect Inc
State: WA
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 received services at the XXXX XXXX on our about XXXX. During that time I became unemployed and was eligible for insurance through the state. I amassed {$1000.00} in medical bills and advised the XXXX XXXX that I was covered by state insurance but XXXX XXXX refused to bill secondary insurance. They sent the account to Atlas Financial Services and I received court documents on XX/XX/XXXX that I was being sued for {$1900.00} which was an additional XXXX dollars over what I owed. After calling up the collection agency and attempting to make an agreement with them I was then advised that the case was dismissed due to XXXX XXXX XXXX failure to bill the secondary state insurance which would have covered the entire bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Paramount Recovery Systems, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reported Collection Company : PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX, TX XXXX Amount : {$39.00} On XX/XX/2021, the above collection company reported a debt that do not belong to me. This has negatively impacted my credit records, and lowered my XXXX XXXX. On XX/XX/2021, I mailed the collection company a letter to verify the debt, and they did not respond. According to the provisions of the Fair Credit Reporting Act 609, If accurate derogatory information in the consumer 's file can not be verified, the reporting agency is required to remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. This is related to the right of the consumer to challenge the accuracy of negative events reported on them. The intent of the government is to protect consumers from having inaccurate information used against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results 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