BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
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: Information belongs to someone else

Complaint:
Fraudulent account XXXX XXXX openXXXX-18 Amount 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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
We were discussing with my credit card CAPITAL ONE about some charges from the same company ( XXXX ) that I reported as a fraud, after months and many phone calls 3 out of the 6 charges were cancelled. I was told several times that it was not going to affect my credit because it was under investigation but I realized later that they did reported 2 times my lack of payments. 
I was expecting a written results of the investigation, when I did complain they told me that I lost the case, my Fico was really affected and then I asked for a written result of the investigation, they promise to send it but I never got it. To avoid more damage on my credit I immediately paid the full amount but is unfair because they never notified me the final result of their investigation. 
The acct # was changed 3 times because the fraud claims. 
ending # XXXX, then # XXXX and # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11
Company: Resurgent Capital Services L.P.
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on the following accounts : LVNV FUNDING LLC XXXX Balance : {$680.00} ; LVNV FUNDING LLC XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Phoenix Financial Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally 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 2019-07-01
Company: CITIBANK, N.A.
State: TX
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:
My personal account was frozen for verification purposes and that caused a transaction to be denied with Sears master card through Citi bank. Because of that transaction, every time a payment is made to the credit card the funds are held for up to 10 days. The funds are taken from my bank account and showing posted with the credit card company yet the funds do not become available. This situation has been going on for over 2 months and there is no one that can remove that from their system or help me with releasing the funds. 

I have even made cash payments directly to them and the funds are still being withheld.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
I, XXXX XXXX, am a victim of the Transunion credit inquiry issue which affected a large percentage of credit files. I have been adversely affected by Transunion. All of the credit inquiries that were removed from my credit report for some time by Transunion have been unlawfully reinserted back on my file and have been renewed which has adversely affected my credit file maintained by Transunion. Transunion agent refused to accept responsibility for breach of consumer credit reporting laws to reinsert said inquiries. 
Said inquiries. 
1 ). XXXX XXXX 2 ). XXXX 3 ). XXXX XXXX XXXX 4 ). XXXX XXXX XXXX 5  ). XXXX XXXX 6 ). 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 2018-01-27
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX, I created an account with Western Union in order to transfer money overseas. After setting up my account I was approved for a {$10000.00} money transfer. Before my account was fully activated they said they would allow 1 wire transfer. 

On XX/XX/XXXX, I go into my bank wire a total of {$4400.00} into the bank account given by Western Union via email. 
On the same day after the money transfer I call western union to confirm the transfer and activation of my account, they said to call back tomorrow if I don't get an email confirming by tomorrow. 

On XX/XX/XXXX, I called back Western Union because, I did not see a confirmation email and after giving all my account information, full name, date of birth, mothers maiden name they tell me my account has be canceled from the " higher-ups. '' Without reason why, they wouldn't transfer me to a supervisor. They didn't offer me a refund. He said, there's nothing I can do and terminated the call. 

So now, I am out {$4400.00} for a service western union failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX threw XXXX XXXX XXXX in XXXX XXXX XXXX Where they never applied my trade and car was purchased for over book value. Also my payments were taking out of my bank account but never applied. When I stopped letting them take out payments I started sending money orders to there XXXX XXXX as it is listed as kia motors finance XXXX XXXX XXXX XXXX tx XXXX I have contacted them multiple times about payments. Why they are not being applied. They keep saying I am turned over to collections. I started making payments threw money order and have copies of the money orders being cashed but not applied also they are pulling my credit report every couple of months pulling my credit score down. I called to get pay off info for my bank and I was hung up on 3 different times. The car company XXXX XXXX has pulled my credit report as well since purchase of vehicle. Im trying to get it payed off and am getting no where.

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 2021-03-05
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:
On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving 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 2021-11-02
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
OneMain Financial XXXX, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then Onemain reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at One Main threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2019, I submitted a complaint against XXXX XXXX, XXXX ( XXXX ) regarding not removing an Collection account on my Credit Bureau Report and there response was that they had processed an XXXX deletion request to all three Credit Bureaus. I have attached the 2 letters mailed to me from XXXX XXXX XXXX XXXX . 
Upon checking my Credit Report, the XXXX XXXX, XXXX collection is still showing on my Equifax Credit bureau report. PLEASE XXXX XXXX , XXXX . REMOVE THIS COLLECTION FROM MY EQUIFAX CREDIT BUREAU REPORT!!! 
It keeps reappearing OVER and OVER. PLEASE XXXX remove this Collection account from my EQUIFAX REPORT.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Pendrick Capital Partners Holding, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has been contacting me about a debt that has been prove to be invalid and removed from my credit report in 2017. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone threatening to place this item on my credit report. This is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that 3 Credit Bureaus are efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Rcently, I had an account from XXXX XXXX XXXX  removed from my credit report, after multiple disputes, due to fraudulence and XXXX XXXX XXXX ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, XXXX  XXXX XXXX placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act. I have disputed this with Transunion several times, only to receive no correspondence.

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 2017-11-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. 

I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX XXXX is reporting to Experian as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.

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 2018-01-27
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rcently, I had an account from Diversified ADJ Services removed from my credit report, after multiple disputes, due to fraudulence and Diversified ADJ Services ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, Diversified ADJ SVC placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, Diversified ADJ Services continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After receiving a copy of my credit report, I noticed a debt in the amount of {$800.00} for a former residence of mine. I reached out to the collection agency for validation and received an invoice from the apartment complex. In XX/XX/2018 I took the apartment complex to court for the debt and through Mediation, the amount owed was invalidated. The final agreement signed by all parties shows the complex owed me {$300.00} and I owed them the same amount. This means the amount is negated. National Credit Systems continued to report the balance as {$800.00}. I disputed it with the credit bureaus and National Credit Systems updated the balance to reflect {$300.00}. As recently as 23 days ago they continue to falsely report this acount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
received a notice that our payment was going up {$400.00} in may. When we called on XX/XX/XXXX ( we had our wedding planned, so didn't do anything until XXXX ) we were told that they did not pay our home owners for XXXX. When we investigated this they said they paid out the remaining escrow account and applied the difference we were continuing to pay to the principle, and not escrow acct. When we asked why we were not notified they stated we sent a letter. Now they state that our payment is going up as they have done a new assessment that includes home owners, and they need to refill the escrow acct. They states that they did not pay the home owners for XXXX because it was in husbands name only, and mortgage is in my name. We asked for a payment history so we could verify that the payments we sent were received and that they had put payment in the incorrect spot.This was verified by their payment history. we also saw that they did pay the home owners for last year, even thought they said they did not, and they didn't place the correct amount of money in the escrow acct for the year. Now they are saying we need to pay the difference since they misapplied the payments.They are also sending back our payments stating that we have not paid they appropriate amount, even though our payment history is equivalent with our mortgage paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: NC
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 called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more

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 2017-11-16
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Today a process server, XXXX XXXX, called my cell phone from an unknown number and left a detailed message that I would be served papers tomorrow from XXXX XXXX unless I called this number-XXXX to discuss.. I looked up the number and it came back unknown on unlisted so I called. They proceeded to tell me what I need to do in order for the summons to court would be stopped ... .to pay the total amount today of XXXX. XXXX or the court XXXX. Or I could make payment arrangements to stop it all using a credit card to keep it on file. They actually wanted me to go buy a prepaid card to use. I refused and they did n't like it that I was going to contact my attorney or call the district attorneys office in my area. They also gave me another number-XXXX. and the name of the company is ADR Alternative Dispute Resolutions. I looked both up on the internet and could n't find any information.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

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