BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I was totally unaware the XXXX would report this as a debt. In fact they were still billing me the monthly fee with said account as of last month. 


Fee charged this month :. 
XX/XX/23 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$19.00} This was actually a savings loan or credit building loan with my own funds. I went to the app and my funds I put in the account are gone. 

I like XXXX but this is shady. Please remove this collection because this is not a loan. I do not owe them any money on this collection. Thank you very much for your 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 non-monetary relief
Consumer complaint received 2017-03-28
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I reached out to my loan servicer Texas Guarantee Loan or the Trellis Company about payments that were being garnished and were being applied only to the interested and collections fee. Their response was that they were following federal regulations for student loans. However, they advised that in response to the expansion to covid-19 relief act on the Department of Educations guidance, they were in the process of halting garnishments and were working to 'refund the garnishment payment dating back to XX/XX/XXXX. ' As of that contact, I failed to hear from them about this. As of the last week of XX/XX/XXXX, I have consolidated all my loans with another servicer because of how difficult they are to work with, but when I reached out to Trellis in regards to the 'refund of garnished payments ' they stated that my loans were now closed and did not even make an effort to answer my question. My complaint is regarding this refund. I would like to find out if the refund of those payments were completed and or if those payments were applied to the principal balance at all. I was being garnished approx. {$200.00} a paycheck and for a whole year that would be approximately {$2400.00}, or maybe more. I know that may not be a large amount, but I still want to know that they were applied correctly. I do have emails in regards to this conversation and can forward those upon request. I have also submitted this complaint to the US Department of Education and Federal Student Aid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Ive had this account removed previously and Portfolio Recovery Associates has started reporting this on my name again.

This is violation of the fair debt collection, practices act. I have attached Section 809 ( a ) that states validation must be provided within 30 days of the collection agency contacting the consumer.

Whereas, Portfolio Recovery Associates, never contacted me through any means of communication. 

The account details are below : PORTFOLIO RECOV ASSOC XXXX XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
These losses were suffered on XX/XX/XXXX and XX/XX/XXXX after being contacted by a person who identified themselves as an officer of the attorney general. He informed me that someone was using my personal information to commit fraudulent federal crimes and I had to liquidate the funds from my bank account prior to my social security number being frozen.

The fraudulent person swindled and scammed {$6800.00} via pre-paid gift cards that I purchased under extreme mental and emotional stress. He told me that I was being followed and I provided my personal work schedule and other intimate details of my life via text. After not receiving an email with additional steps at the Social Security office, I immediately called the police on XX/XX/XXXX to file a police report. I also called Capital One 's checking and credit card departments to inform them of what happened. The agents I spoke to were able to dispute the charges listed under the disputed charges list as they were from XXXX XXXX and had posted in the system. The remaining fraud claim numbers are for charges made at XXXX which posted a day or two in Capital One 's system. I have provided a 90 page document showing the police report, gift cards with proof of purchase, and have sent rebuttals back informing that the merchant 's policy is no refund on pre-paid gift cards. The police officer I spoke to informed me to call the phone number on the back of the gift cards to see if it's possible to get the money back as a refund. When I called the gift card merchant, they informed the funds were taken the same day. Capital One 's policy states that since I made the transactions myself, they are not considered fraud or disputable and since the merchant won't refund them back the money, they have reversed all provisional credits as debits in all 4 accounts. So I have lost everything and have nothing to show for all funds stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: PNC Bank N.A.
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK, N.A.

Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My purse was stolen from my locker while I was at the gym. I have been explaining that I have not applied for the companies that is listed on this report. Please remove these inquiries from my credit report. A XXXX XXXX XX/XX/XXXX, XXXXXXXX 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 2023-08-10
Company: EQUIFAX, 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:
I am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information. 

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX  and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

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 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
this company discriminates. i asked for help on past due payment history on my account. i asked for the late fee marks on my account be removed due to working on my credit. having a new card in good standing, due to me being XXXX and XXXX  XXXX XXXX. i was asked private info regarding my XXXX XXXX XXXX, i was told i was a liar that the call didnt exist until 3 weeks later the call was found. i asked for my late payment reporting history to be removed. this company says they dont remove negative history from credit reports when in fact they do and have done so. i have proof. they called me a liar asked for my XXXX info all to deny me. this company is sad. they did no research from my initial email to assist me. my proof attached shows that this company lies, they pick and choose. they discriminate. they are awful. they are able they can help but they wont help women.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello CFPB, I am writing a complaint against Experian, XXXX XXXX and XXXX. I've sent them multiple complaints stating they are reporting inaccurate information across all XXXX credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These unknown hard inquiries were placed on my credit reports : 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 2023-08-10
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:
Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: United PanAm Financial Corp.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX My credit was pulled with my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Received emails from Synchrony Bank about me calling in for replacement cards which I did not. That started the process with having new cards sent to me over a month ago. So far I have receiving one of 4 cards ( Different Compaines ). Today I checked one of my accounts and i find where there are charges which I did not make. Again I requested the cards to be sent to a secure mailing address and for the 5th time I am haveing to verify who I am by sending in a copy of my DL and video of me. But now they want it all to be mailed 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: VA
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 XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was approved for an auto loan through BBVA/Compass bank on XXXX XXXX of XXXX. Shortly afterward, I set up an online account so I could make my payments. However, when I attempted to make a payment, it did not process correctly, therefore my payment would not go through. 

I called BBVA/Compass Bank 's customer service center on XXXX XXXX of XXXX in an effort to get this corrected. I spoke to a customer service representative named XXXX who asked me to send screenshots of my attempts to make payments. I was on this phone call for over 60 minutes. The customer service representative assured me I would get a phone call within 48 business hours and my issue should be resolved by then. 

However, over one week went by and I received no phone call, and I still had the same problems with my online account and could not make my car loan payment. I called BBVA/Compass Bank 's customer service department again on XXXX XXXX of this year and spoke with a representative named XXXX. I advised XXXX my problems with making payments online were still not resolved. XXXX again tried to help and requested I send screenshots of my attempts to make online payments. I was again on this call for about 60 minutes. XXXX then transferred me to another department of their customer service department who said they would take my payment for me over the phone free of charge because of the trouble I was having. A customer service representative named XXXX took my checking account information, gave me a confirmation number and said my loan payment would be processed. 

I called BBVA/Compass Bank 's customer service department on Wednesday, XXXX XXXX and told them there is no record of the payment I made on Monday, XXXX XXXX. XXXX from their customer service department told me if my payment did not show up by Friday, XXXX XXXX to call them back. 

It is now Sunday, XXXX XXXX. The car payment I supposedly made on Monday, XXXX XXXX never got processed. Also, my online account has been having problems since I set it up on XXXX XXXX. Compass Bank is not making any efforts to help me with issues I am having with my online account. Also, I am curious as to why one of their banking representatives took my payment information over the phone on XXXX XXXX and now there is no record of it. I am very frustrated by Compass Bank 's poor customer service, and failure to help me resolve my issues.

Company response to consumer: Closed with explanation