BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Elevate Recoveries, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company called me stated I owed a medical debt. They wanted me to pay over the phone so it would not go on my credit report. I was contacted by this company on XXXX XXXX which I was informed I had 45 days to pay in order it being reporting to credit report regarding a medical debt. They wanted payment over the phone without any written verification showing a detailed information over the debt owed. I told them no, not until I get something in writing. I asked them to email a letter to my email address the rep stated that was unable to email or provide any documents by mail. By law I told them I would need some type off documentation showing the debt is owed and the payment being provided is accurate. I asked the rep if I make a payment will they be able to provide proof. They said they cant even send proof of payment out to me. They said they dont send letters or emails out. I have called this company numerous time to get the issue resolved. Well, on XXXX XXXX I called and spoke to XXXX representative of this company. This individual has no idea about collection laws. She basically, told me to pay the balance to avoid any other issues I may occur with credit reporting. From my understanding I was thinking the bill was paid in full by insurance company XXXX and XXXX since this was apart of an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had trouble in receiving XXXX XXXX check which they payed me then took the money back as a charge off they said I was responsible for this check that other bank said it was no good but was good check latter after the investigation they determined I do get the money back after 3 months of this off my account... it took them 1 month to notify me of this supposed bad check This happened in XXXX  XXXX well Fargo checking account.

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 2020-11-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
opened a walmart credit acct. through/with synchrony bank. XXXX credit limit. a series of fraudulent charges were made on the card. tried to reconcile with bank many times over the course of months ... asked them repeatedly to freeze the acct., with no result. finally shredded the card ... four months later i was still getting bills with new charges on the acct. any attempt to deal with them via phone was almost impossible as most of the time i got someone who didn't speak english, or was incredibly rude calling me a deadbeat! i was always polite with them, simply asked for a full accounting of all charges made on the account from day one before i would pay in full yet another time. ( i had done so twice previously ) never received anything except nasty letters or bills. i have a file approx. 2 inches thick letters and bills from them, called dozens of times. not honorable people. i pay my bills.

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 2018-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXXXXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$480.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if PRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of idenity theft.

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 2020-10-20
Company: EQUIFAX, INC.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: TX
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Their investigation did not fix an error on your report

Complaint:
Dear XXXX XXXX, I am writing to bring to your attention an error on my credit report that I believe requires immediate attention. I recently reviewed my credit report and noticed that there is inaccurate information reported on my account. 

On XX/XX/2022, I contacted TransUnion to report the error and provided supporting documents to show that the information reported is inaccurate. Since then I have contacted TransUnion on several occasions, dates ranging from XX/XX/2022 to currently XXXX XXXX. I have contacted TransUnion over twenty times with supporting documentation. Despite my efforts to rectify the issue, the inaccurate information is still appearing on my credit report. The error is impacting my credit score and financial standing, which is causing me considerable stress and XXXX and inconvenience. 

I kindly request that you investigate this matter and take the necessary steps to correct the error on my credit report as soon as possible. I have attached the documents that were previously provided to support my claim. 

If you require any further information or clarification from me, please do not hesitate to contact me at XXXX. I would appreciate a prompt response and resolution to this issue. 

Thank you for your attention to this matter.

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 2018-08-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter. 

This will serve as my second request. - Thank you, 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 2023-02-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried doing refinancing with XXXX XXXX and got accepted with a XXXX month trial period on my mortgage. They excepted my money in for XXXX months then on the XXXX month they told me I didnt sign the paper work which they had no proof on that they sent me. My lawyers asked multiple times the company never replied back. They restarted the XXXX month trial period again raising the loan modification payments by {$150.00}. I said okay and then successfully paid the XXXX months again and on the fourth month they sent my certified check again and told me the same thing and increased the loan modification payment and started the XXXX month trial. They expected my month from XXXX of XXXX and ask of XX/XX/XXXX when I have sent them month each month until XXXX sent me my money after XXXX of XXXX and put my house up for foreclosure. I had to pay XXXX dollars to my lawyer to talk to them but they dont get back to our phone calls. I have never missed a payment with the loan modification nor being late. They didnt even inform me it was going to foreclosure until XX/XX/XXXX of XXXX when they were suppose to 30 days before. The foreclosure papers says XXXX XXXX but my loan is though NewRez. Please 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 explanation
Consumer complaint received 2023-08-21
Company: DISCOVER BANK
State: KS
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:
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT  ED Account # : XXXX Account Name : US DEPT ED Account # : 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 2023-06-08
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$370.00} 15 U.S.C, 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: OR
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:
A credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my Experian credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 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 non-monetary relief
Consumer complaint received 2019-03-08
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I sent 2 payments to Ocwen Loan Servicing, LLC, back in XXXX of XXXX, only to have them returned. Each time Ocwen takes longer and longer to return these payments making the interest and penalties to compound faster than usual, thus making it More difficult to catch up on the loan. I sent a complaint to CFPB. They contacted Ocwen, with my complaint. It seems Ocwen has a reputation of doing this very thing to many other people in the past. I believe what Ocwen is doing is Illegal. The United States Government also agrees. Ocwen sent me a letter saying they would accept {$2300.00}. I sent them {$2300.00} 0n XX/XX/XXXX. They sent it back today, XX/XX/XXXX. I do not know what to do? I am getting further behind on this loan. I do not know WHY Ocwen will not accept my 2 payment check. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We applied for a health credit card. The credit card is CareCredit. The card offered 6 months interest free. The card was used on XXXX date of XX/XX/XXXX. The facility used {$400.00} for XXXX  expenses and {$400.00} for the facility on that day. The promotion was for 6 months interest free, which ends in XXXX. The interest would start in XXXX of XXXX if not paid in full. The interest starts and we continued making the regular monthly payments. When the month of XXXX came two separate interest charges were billed to the card. The monthly charge and a large interest charge of {$120.00}, the came from a second promotion of a twelve month interest free that was placed on one of the {$400.00}, billed on that same day. The representative said it was two separate promotions but it only suppose to be one. We dont understand whats going on.

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 2020-09-11
Company: T.S. Holdings
State: CO
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:
The date of first delinquency for this debt is listed as the XXXX of XX/XX/2014, and as such it has passed the six year statute of limitations in Colorado for leasing/rental debt. As such, this debt is no longer collectible in court. 

Furthermore I have been in contact with XXXX XXXX over the last few weeks in an attempt to collect this debt, and they have been unable to recover any records to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I fell behind in XX/XX/2017 and caught up in XX/XX/XXXX/XX/XX/XXXX with my tax return. I began making {$600.00} payments ( half my scheduled payment ) every 2 weeks. My mortgage company is not applying these payments to my monthly payment. They allocate it differently every time. Sometimes they hold it until the receive the second payment and apply them correctly. Other times, they have refunded 2 checks to me and are now applying them to my escrow account. This is causing them to report my account as 3 months past due when in truth, I am only one month behind because of the two checks they refunded. This is negatively impacting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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