BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 disputed this same erroneous collection with XXXX  and Transunion several times. I even sent a 611 Act ( a ) ( 7 ) letter to both credit bureaus after my disputes requesting a complete list of all documents and correspondence with and all names and contact information of employees that the credit bureaus spoke with as part of there investigation. I asked for verification to show proof ( something signed by myself ) etc. to show me proof that the XXXX XXXX XXXX XXXX  belonged to me. Never not once did I receive the information I requested and the reason being is because this is a erroneous account that doesnt belong to me. Its really upsetting that I am continuously having this same issue over and over and over again. 


Below is my last complaint with CFPB : I filed a dispute with Transunion and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. The dispute was for a collection on my account from XXXX  ( XXXX  XXXX  ) When I first disputed It, I received a response of Reported by data furnished. I then wrote a letter asking for verification of the collection and also asked for a complete description of what methods the credit bureaus used to investigate my dispute. I asked for correspondence and a list of all documents including all names and contact information and employees that they spoke to in there investigation. I have never received this information from either credit bureau and it has been well over 60 days. I am requesting the removal of this XXXX  ( XXXX XXXX  account ) in which I have no knowledge of being mine from my Transunion and XXXX credit report. 

REPORT NUMBERS FROM PREVIOUSLY FILED COMPLAINT AGAINST TRANSUNION AND XXXX  ON THIS SAME ISSUE XX/XX/2020 XXXX XXXX  XXXX Transunion

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 2018-03-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My initial intent was to submit a legitimate complaint about the errors in the handling and service of my mortgage that was transferred to Rushmore Loan Management Services. However, I see that there are over 1000 complaints logged already. Therefore my first complaint would have to be with the CFPB. There are 1288 complaints on Rushmore. Thats 1 complaint every day for 3 years without any penalty. This has allowed Rushmore to continue predatory practices and offers no faith in CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I sent a chat message to Citi on XX/XX/2020 asking them to close my account. the customer service rep confirmed they had closed my account ( it was at {$0.00} balance ). Now its 3 months later and I get an email saying my account is negative {$96.00} from overdraft and monthly bank fees.

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 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2019 is the year I was charged {$2000.00}, on my Capital One Credit Card Which is false If anything at least it should be XXXX there was fraud on my account. I have called in more then 3 times each time no one could help me they said I owed and have to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Garrison Investment Group
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Foundation Finance : 1. doesn't specify interest rate, term, amount applied to Principal or amount applied to interest only.

2. Doesn't show the overall account balance going down from month-to-month 3. doesnt allow extra payment toward Principal each month. When I applied extra per month to my amount due it only reduced the amount due the following month vs. allowing an option to reduce the Principal amount.

4. I initially tried calling Foundation finance after the first statement or two to address the gaps in the critical details on my account statement and their customer service agents have no idea how to answer any basic questions about the account statement.

5. As you can see from my attached monthly statements the Principal amount doesnt reduce from month to month. Granted I understand the loan will be front loaded with interest, but to see no reduction month to month. I've never had a loan like this one. 

The lack of detail on their account statement seems almost predatory. I am requesting CFPB 's help to address these critical gaps with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The reason I'm filing this complaint is because I have inaccurate and unknown things reporting on my credit report. I ask the credit bureau to investigate within 30 days as the law requires and I have not heard anything back from credit bureaus as of todays

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 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Portfolio Recovery has been asked to verify these account as mine several times since XXXX. They have removed these accounts however they turn around and update them as brand new collection accounts which is false information. I have been battling these for a year now. They have never verified these accounts. The last time it was updated was XX/XX/XXXX. A 609 letter has gone out several times but nothing happens. 
The first attachment shows they removed the file but it also shows no activity for 2 years. 
The second and third attachment shows the rereporting but again no activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: EOS Holdings, Inc.
State: UT
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:
EOS is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt was reporting on my credit. I immediately called and settled this debt with them. I had no idea that this was on my credit, I never received any calls or notices about this. This violates my 30 day right to disputes under the FCRA. I ask that you delete this account from my credit file. I am also aware while this account is under investigation all collection activity must cease. If you continue to report false information on my credit file, it could constitute fraud under both federal and state laws. Please remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday, XX/XX/2021, I made a payment to both of my credit cards from Capital One. I always pay my credit cards from the same bank account. I was checking to see if the payments were made through the Capital One app and a payment was applied to the second card I have but the money was not available. I called Capital One to see what was the issue. I spoke with a representative named XXXX ID # XXXX. She told me that my payment had been returned in XXXX and that from now on Capital One has the discretion to hold money from my account. She then had the audacity and proceeded to ask me what I needed the money for!! Otherwise I would not get the money released unless it was for groceries or gas!! I told the representative it doesn't matter what the money will be used for if I paid the payment I can use the available funds for what I want!! 

I then told her I wanted to speak to a supervisor then XXXX ID # XXXX said, " no worries '' as if to say XXXX you in so many words! I spoke with XXXX ID # XXXX. She stated she would send me paperwork stating that Capital One has the right to hold my available funds at their discretion which makes no sense!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I have a service by XXXX XXXX XXXX for an amount of {$840.00}. I have given the clinic my insurance card at the time, which was XXXX-student resources XXXX XXXX, XXXX, Texas XXXX. The clinic has never sent the bill to my insurance, instead they have sent it to the wrong insurance XXXX address in XXXX XXXXXXXX XXXX, Georgia, which is a completely different entities. They have made the mistake, and I should not be penalize for this. I have talked to all parties involved, including OAC XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX ) XXXX. I explained the situation to them, still refused to take the charge out of my account and continue to hurt my credit. 

Thanks 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 2021-04-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have never dealt with this company but they keep sending email threatening to sue me in court and holding my ssn from the goverment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One Auto is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XX/XX/2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. 

Capital One Auto acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Yesterday XX/XX/XXXX i had recieved a XXXX  deposit for a little under XXXX dollars to my cashapp account. This transaction had be done multiple other times for various amounts between me and the same organization no problems. Then cashapp decided to " review '' this transaction. They essentially took my bitcoin deposit and are almost holding it ransom while providing zero reason or anything to back their actions. I reached out through phone and their chat and can be told nothing other than wait for an email. Cashapp is essentially stealing my money with no justification or reason and im tired of companies thinking they can do whatever they want with zero repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX LVNV Funding collection agency placed an unknown account on my credit and decided to sue me for it. I answered the complaint and appeared in court- however a representative from LVNV Funding did not show so the case was dismissed. Case # XXXX. After that, LVNV Funding continue to place the account on my credit every year. Once I dispute it- it gets removed. I need for the harassment and the bullying to stop. I was in the middle of financing and was denied because of the account being placed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Im in the process of trying to close a mortgage through Quicken Loans, Rocket Mortgage conventional product 3 percent down w2 buyer 19 % HDR, purchase price $ XXXX appraisal $ XXXX first time buyer. Originally when we discussed the loan I was specific that I was looking for something without mortgage insurance. As we were hurting through the process by the sales rep asked to commit to things while he was on the phone not really giving us time to review documents as intended somehow ( because 3 % down ) we are required MI and are entering into first time buyer program. When I complained to the second representative a processor that contacted me she said she couldnt go any farther until Ive discussed this with the sales representative. He of course wasnt sure how I got confused that he wouldve never said there wouldnt be a mortgage insurance. I frustratingly accepted the fact other than my conversation with every other lender and person was very specific about this that maybe he didnt hear. Im told there is no conventional 3 % down product without MI so Im fine with that just feel in complaining Ive somehow upset the company and now Im fighting tooth and nail every document submitted to be sufficient. I took my first time buyer class using the copied and pasted URL provided the stipulation and was told I needed to take another HUD approved class. Upon pushing back this was satisfied. I connected my bank statements to the account for assets which was sufficient for income but not for Ernest money or funds to close. Im told I didnt provide part of my savings statement, again which are connected to the loan, for XX/XX/XXXX -XX/XX/XXXX. The request was 2 months bank statements and XX/XX/XXXX isnt even over so I provided XX/XX/XXXX and XX/XX/XXXX. I also provided the XX/XX/XXXXmonth to date in a screen capture of balance so highlighted this and put it back into this new stipulation. Im told they are missing {$500.00} to close when my account balance is {$3500.00}! over what they are asking for. It just seems Im being punished for feeling like I wasnt given the full picture or what the mortgage was in the beginning and with my closing date of XX/XX/XXXX I am worried about closing. The agent on the file for the seller was reluctant to take our offer amongst the others because 3-4 customers in the passed had horrid closing stories if they made it at all because of similar situations by this lender. Something needs to happen to ensure proper handling or understanding and training to make sure people are focused on approval and closing not denying or checking a box on a shirt. Please help me understand or close my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Ive have tried calling Navient over the past year to work out a solution and I am only ever given the option to pay {$50.00} once and then back to the regular monthly payment which is over {$350.00}. I owe about {$29000.00} and my interest rate is extremely high, at 13.5 %. I have repeatedly asked to have a lower interest rate and monthly payment. Navient asks me the same question each time I call and give me no other options no matter how far my account goes past due. They refuse to offer any reasonable, long term solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: TN
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:
ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to misunderstanding, medical debt was sent to collection. I sent a check immediately to the address in the letter for the amount of {$52.00}. The check cleared on XXXX, but I continue to get letters from the collection agency saying I still owe the debt. I communicated back to them AND to the original XXXX. to stop with the letters, but today I received yet another one. 

Transworld Systems Inc Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am concerned it could impact my credit when I handled it as soon as I knew the XXXX. office didn't consider the matter settled.

Company response to consumer: Closed with explanation