BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Ricart Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2022 Tracir Finance Employee called me regarding payment loan. I informed her I made car payment however she did not see it on her end. After 5 mins she found payment. Employee ask when was I making my next payment ( I informed her next week ). Employee ask for a specific day ( I informed employee I did not have a specific day ) Employee Do you want to keep your car You are considered for repo I immediately got upset and we began to argue before I hung up on employee. I called tracir to report the woman got hung up 2 times. I called 3rd time spoke with XXXX who said he will Get IT to pull the call. Still waiting to hear back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
Last XXXX I learned XXXX  ( XXXX XXXX XXXX ) reported my student loan account 180+ days late, yet they also reported it as " Pays as Agrees ''. I immediately called XXXX  to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with XXXX and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not Transunion. 

XXXX agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX Employee # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my Transunion credit report. I called on XX/XX/XXXX and spoke to XXXX Employee # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my Transunion credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. XXXX is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and XXXX should be held accountable and at the very least they should fix my transunion credit report. Please have them correct this

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 2020-02-11
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was with Ocwen during foreclosure proceedings it was sold/merged with PHH Mortgage. We were able to work out a trial modification agreement with PHH Mortgage for the months of XXXX/XXXX/XXXX  2019. We completed those payments and waited for approval for the final modification. We additionally made XXXX and XXXX payments as well. We were informed of approval for final modification, signed and returned to PHH as they required. During the time of XXXX & XXXX we had tried to access our account online with great difficulty, eventually PHH system was working and we reviewed our information which was incorrect. We sent several emails through the " contact us '' email on their site. In addition, the website would not allow us to make payments online stating we were " past due '' owing XXXX & XXXX payments and to contact customer service. Each time we emailed informing them that our account information was incorrect and needed to be updated with payments amount, payments made and to allow us to make payments online. Slowly, some of the information was updated however, a majority continues to be incorrect. At this time, we are reviewing our credit report information as well which PHH has not corrected their reporting of our current situation even after disputing it with the credit bureau. PHH has our online account indicating we are over 40 days late, yet shows our XXXX payment received. The modification agreement indicates our new monthly payment is {$1000.00} however, PHH continues to list our payment as {$1400.00} and reporting that same wrong information to the credit bureau. Again, more incorrect information. Furthermore, the credit bureau is reporting late payments for XXXX/XXXX/XXXX/XXXX  which all were previously made as per the trial modification. Had these payments not been made we would not have been offered the final modification. Since the modification has been granted and completed the loan is no longer past due those months. This same information needs to be corrected with all credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all 3 wiped out ALL records of 2 car payments over several years and ALL mortgage payments back to XX/XX/2005 ... ..when we " disputed '' that we were paying and no payments were showing up ... .never missed a car payment ... missed one house payment before bankruptcy ... but it seems that in each case what we type is not read ... .and the system defaults to an automatically generated statement " dispute '' and then the file is expunged .... totally -- -- -- our credit is XXXX ... .we pay ~ {$2000.00} every month ... .Bankruptcy discharged 3 years ago ... ..but we don't understand why -- -- -if we pay -- -- -there is no record ... ... we could not get any confirmation of payments ... ... ..any payments ... ..so why should we pay????????????? we want to keep the house and cars ... .we think we should pay ... ..but there is no credit record we have for these payments ... ..why should these payments not be counted????

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 2023-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was apparently sold and bought illegally because I was a victim of a EQUIFAX DATA BREACH. I am requesting to have these items DELETED from my credit reports effective immediately. I am attaching a letter displaying proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to resolve the matter to date. Please help me delete these illegal and fraudulant accounts from my credit reports that are attached below in this message : VERIFIABLE EQUIFAX DATA BREACH CLAIM # XXXX EQUIFAX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LATE REPORTED : XX/XX/XXXX -XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX : XX/XX/XXXX LAST REPORTED : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX -ORIGINAL CREDITOR : ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX DATE XXXX LAST XXXX : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Thunderbird Collection Specialists, Inc.
State: AZ
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 gained this debt in XX/XX/XXXX, I contacted the XXXX company for the debt 1 year ago to ask if they would settle at that time they said no, 2 weeks ago around XX/XX/XXXX I was contacted again asking if I'd like to settle, I said I'd need to speak to wife get back to me in 2 weeks. 2 weeks was today and I spoke with an individual by name of XXXX ( Not sure of spelling ) telling me If I couldn't take the settlement they'd proceed with further actions and I didn't want that because they'll garnish my wages and seek judgements against me. I told them I was XXXX and on XXXX and was unable to be garnished to which the individual got very nasty and asked if I was gon na be a " REAL MAN and pay my debts '' etc. this went on for sometime he hung up on me, I called back and asked for his supervisor and he told me I must have no life and what kind of man are you, I deceivedh im and told him I had recorded his behavior, to which he said that it's illegal, I quoted arizona state law that states only one party must be aware me, He then said it was fine he had already recorded me. I spoke to his supervisor who informed me that if he had recorded me I would have heard a PROMPT saying I was being recorded, However I heard a recording start sound similar to one on a personal cell phone. When I informed the supervisor that at this point I have reason to believe it was recorded and it was a clear HIPPA and Fair Debt Collection act violation the supervisor said he'd talk to the offender in question and that it doesn't change anything in our situation however.

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 2022-12-28
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello! 

There were XXXX unauthorized charges on my account. 

- Amount : {$75.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$300.00}, Merchant : XXXX XXXX Date : XX/XX/XXXX As soon as I noticed the charges I cancelled my account and then immediately reached out to the lenders. 

I first called XXXX XXXX. I asked if they can look up the charges on my card ending in XXXX. They told me they weren't able to do that but were able to verify that I haven't made any charges on my account since XXXX of XXXX and I verified those charges were authorized. 

I then called XXXX and asked if they had charged me on XXXX of my reservations since I actually bought a flight a month ago and canceled it. they assured me there were no charges on that reservation number and to contact my financial institution because I was already refunded. 

I then called Chime multiple times to report these charges and they filed my complaints. just 2 days later I got a response back telling me that no error occurred because I was making other charges around the same time and that I said I didn't have my card. This was false- I never said I didn't have my card and that was an error on the representative 's side that could be verified by looking at our call recording. 

They claim no error occurred but I did not make these charges and they won't do any investigative work to see who did and denied my refund. This is an awful company with awful customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
1. Credit card previously issued for XXXXXXXXXXXX XXXX XXXXXXXX ( issued by Comenity Bank ) 2. A charge in XXXX, XXXX that I never received a bill for and I have always received paper statements on this account in the past when I used it. I that I have not used this card since XX/XX/XXXX. 

3. I received a call from Comenity Bank and I called them on XX/XX/XXXX. I spoke to XXXX XXXX. XXXX told me I had a balance of {$370.00} and come change that was charged in XXXX, XXXX. I told him I had not used the XXXXXXXX XXXX XXXXXXXX card for several years. I used this card for XXXXXXXX XXXX XXXXXXXX purchases only. The card has XXXXXXXX XXXX XXXXXXXX name on the front of the card. XXXX said he would give me a full credit within a couple of weeks and would do research on this. I also told him to close that account. However, I received a bill on XX/XX/XXXX with a balance of {$410.00} to include a XXXX late fee. ( see attached statment ) 4. I have not purchased anything from XXXXXXXX XXXX XXXXXXXX since XXXX as the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX * as it closed. 

XXXX. On XX/XX/XXXX, I called Comenity Bank Fraud Department and spoke to XXXX. She said she could see the last balance I had was paid off on XX/XX/XXXX and my account there was a balance of XXXX. I have the credit card I used and it is a XXXXXXXX XXXX XXXXXXXX card issued by Comenity Bank ( which I never realized as my statements came to me through the mail from XXXXXXXX XXXX XXXXXXXX ). XXXX assured and convinced me that this was taken care of at that time by her. I have not been issued any other card and have not charged anything to the old card plus I have not received any paper statements until after I spoke to XXXX and XXXX. ( see attached statements ) 6. XXXX said she was closing out the account on XX/XX/XXXX. She said I would receive a letter stating this and it would show a credit and there was nothing I needed to do. She said I would receive XXXX statement and then another statement showing this was closed out and would have a XXXX balance. She also said she would notify the credit bureaus. I told her I did a credit freeze and a dispute with XXXX Credit Bureau which I did. XXXX told me to contact the other credit bureaus too which I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: Kason Credit Corporation
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to rectify this incorrect debt claim to no avail. I have previously opened a complaint, # XXXX, stating the debt was not mine and I was a victim of identity theft. A report was also filed with the FTC, # XXXX. I have received only one correspondence from the debt collection company, at which time I had returned contact and explained the debt was not mine and there is a misunderstanding as this was due to identity theft and I never had a contract that I opened. Please see below the previous complaint information, as I was contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX - XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account. The company 's return response is not accurate. I have not received " numerous letters or voice messages '' as they have stated. I received one letter and contacted them immediately, stating that I did not complete the contract or agreement in question and it was fraudulent. Including, but not limited to, completing a report with the FTC for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: LA
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:
I XXXX XXXX XXXX, am being violated of my consumer rights pursuant to the FCRA by Equifax. Under 15 USC 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates, also 15 usc 1681a subsection ( d ) Consumer Report.- ( 2 ) Exclusions-the term " consumer report '' does not include- any authorization or approval of a specific extension of credit directly or indirectly by issuer of credit card or similar device, the defined term of credit card in the law is pursuant to the same term for credit card in 15 usc 1602, which is any card, plate, coupon book, or credit device existing for the purpose of obtaining money, property, labor or services on credit in which my case will be my social security card. I did not authorize or give Equifax any written consent to furnish anything on my consumer reports no consent is identity theft and I demand all these listed accounts be updated, deleted, and corrected immediately : 1. XXXX ( Late Payment ) Dates : XX/XX/XXXX, XX/XX/XXXX Delete 2. XXXX XXXX XXXX XXXX ( Late Payment ) Date : XX/XX/XXXX Delete 3. XXXX XXXX ( Closed Account ) Delete 4. XXXX XXXX XXXX ( Closed Account ) Delete 5. XXXX XXXX  ( Closed Account ) Delete 6. XXXX XXXX XXXX XXXX  ( Closed Account ) Delete 7. XXXX  XXXX XXXX XXXX ( Closed Account ) Delete 8. XXXX  XXXX  ( Collection Account ) Delete 9. XXXX XXXX XXXX ( Collection Account ) Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2021-05-26
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ive been getting charged a monthly fee for over two years. Its a card security fee that I did not sign up for. I have cancelled it due to an increase in my balance even after Ive been trying to pay it off. Fees have totaled to over {$500.00} which is the cause of the increase in my balance. It just continues to go up. I understand the interest fees, what I dont understand is the card security fees. My total amount paid is $ XXXX/mo and with that payment I noticed I get charged about $ XXXX month which makes my payment irrelevant. I would like to know how I can get refunded on this amount. As I did not sign up for anything besides the card. Its frustrating to know that the balance is only accruing fees and payments are not helping my account decrease.

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 monetary relief
Consumer complaint received 2018-05-03
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners , LLC has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Capio Partners , LLC The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b  ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Capio Partners , LLC is practicing UNJUST ENRICHMENT. I NEVER RECEIVED ANY NOTICE OF THIS COLLECTION..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: MI
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:
on. for 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 XXXX Account # : XXXX Date Opened : XX/XX/XXXX reported late payments XXXX  XXXX Account # XXXX Date XXXX reporting late payments to my credit profile XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : {$240.00} XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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