BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Resurgent/XXXX XXXX/LVNV Funding have sent notices regarding an alleged debt. I have asked them to validate the debt, attempted to resolve the issue. Included are certified receipts dated XX/XX/XXXX and XX/XX/XXXX both signed by the company. Another certified letter was mailed on XX/XX/XXXX. The company has violated 15 USC 1692 sec.802, 803 and 807. Appearing to be an attorney by using the language " my client ''. Claiming to be the " creditor '' which does not coincide with its definition. Also the use of multiple names and addresses i.e LVNV, Resurgent and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX years old. I have been a Discover Credit Card customer for over XXXXyears. I have never missed a payment. Discover was one of the first credit cards I received that helped me build my credit. I started with a credit line of {$2000.00} and they slowly increased my credit line to {$4800.00} due to my good payment history. For some reason, during the pandemic, Discover closed my credit line. At the time, I had a XXXX balance so, I didn't realize it for a few months. This negatively impacted my credit given : ( 1 ) it closed an account that I had since I started to establish credit ( lowering my average length of credit ), ( 2 ) dramatically increased my credit utilization given the {$4800.00} credit line had a XXXX balance, however, it was one of my larger credit lines, and finally ( 3 ) it says that it was closed by my creditor which is another negative impact. As I stated, I have always paid all of my creditors on time since I first established credit at XXXX years old. My income has only increased over the past year and I have had a stellar payment history with Discover. There was no reason for Discover to close my account, particularly in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a 100 % flawless record with PHH, yet they have referred me to collections. Sent me a letter that they are attempting to collect on a debt, and will inform the credit agencies with a negative report. I called them twice and both times when I asked why they sent me to collections they hung up the phone. A third call asking to talk to a manager and they refused. 

Calling into their automated system confirms my account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because ONEMAIN ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received an email from CapitalOne credit card QuickSilver that my credit limit has been decreased from XXXX to XXXX. I had this card since XXXX, and I NEVER paid late, always on time, never went over the limit, I could say I am a perfect card holder. I called the customer service for CapitalOne on XX/XX/XXXX and spoke with XXXX which was no help. He was saying that he can't do anything and the reason for the credit limit decrease was due because I was not using as much. In one point my balance was over 5K and it took several months and finally I was able to pay it off all my balances. I'm still keep using the card every month and paying the balance in full, just on XXXX my balance was about 400 and paid full. I spend in average 200 or more every month and try to pay in full when it's due. 
So XXXX transferred to his supervisor XXXX, and same thing she was not willing to help at all, and keep saying because I was not using my credit card a lot and because of that my credit limit got reduced. So for me being a good customer, they are punishing me decreasing my credit limit which will cause my credit score to go down, because my revolving credit usage will go up in % and my total credit available will go down. 
Please help me with this, I was saving the card available balance for future rainy days and my kid which is in XXXX grade will soon go to XXXX and I will need all the available balance for tuition, housing, and all the expenses that comes when sending your kid to XXXX. This is very unfair situation, I know about the pandemic causing a lot of job losses, but I still have my job and following all the rules to be a good card holder, but CapitalOne is decreasing my limits because I don't generate a lot of profit for them? That's not acceptable that this giant corporation keep bullying innocent and week people like me. PLEASE HELP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I made a payment on my account on XX/XX/2020 and my last payment XXXX, XXXX 2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MN
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:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2023-02-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result. 

The credit agencies that was in involve XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Novad Management Consulting LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Starting onXX/XX/XXXX and every day after for multiple times a day I've tried calling, emailing, and faxing novad for a pay off request and have yet been successful receiving it. I'm being told there is noone I can speak to and they keep putting in the request and can not do anything else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
By law I advised the CRA to remove every address thats not Mines that I did not register with them or USPS or updated. 
My Only Addresses on file with CRA should only be XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX And XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX. 
Other addresses are not Mines I dont receive mail there or live there, they refuse to remove said addresses. They are collecting wrong inaccurate information and went to correct it and they will not delete.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are fraudulent XX/XX/XXXX/XX/XX/XXXX{$68.00} XXXX XXXX XXXX {$950.00} XX/XX/XXXX XX/XX/XXXX {$550.00}

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I sent TransUnion a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent TransUnion another letter Demanding their response on XX/XX/XXXX. It is now XX/XX/XXXX Over 80 days have passed since I sent TransUnion my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from TransUnion in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and TransUnion disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under FCRA due to the inaccuracies and the neglect of federal Law by 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 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the XXXX XXXX XXXX XXXX {$470.00} with the creditor and they have failed to supply me with debt validation through the Consumer Federal Protection Bureau # XXXX for this debt you are reporting on my credit report.

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 2020-10-15
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:
SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS

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 2020-05-24
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I became aware of fraudulent activity with my primary checking Visa debit card. I reported it to my bank, the State Employees Credit Union/SECU, and cancelled the card. I followed up on Monday, XX/XX/XXXX, after the two fraudulent charges posted to my account. I was assigned a support case number but told it would take ten business days to refund the money. In any case my liability would be limited to {$50.00} as I reported the fraud less than 24 hours after it happened. There were two charges, {$370.00} and {$390.00}. I waited ten days and contacted them again on XX/XX/XXXX. They said they had no record of my having reported anything even though I had an email acknowledging it and assigning a support case number. The woman I spoke with said I would have to start over and wait another ten days. I spoke with her manager and he refunded the money that day. On XX/XX/XXXX they reversed the credits and took the money back out of my account. The person I talked to said they had investigated and decided the charges were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A man called from XXXX XXXX XXXX on Friday XX/XX/2021, at XXXX stating he was from the Law Office of Mitchell D. Bluhm and Associates , LLC to speak about a personal matter. The man requested to verify my date of birth and last four of my social security number. He stated them as they were listed in his records to me. I stated that I would not be giving any information until I knew exactly what the personal matter was for as I had already mailed a request for validation of the debt they claim I owe. I sent a letter on XX/XX/2021 requesting a validation of the debt they claim I owe to them. I specifically stated in my letter to cease and desist all communication until I had received information back from the office and for 30 days after to review the information. I have not received any information nor the return receipt that I sent with my request. I requested VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. According to my rights the Law Office of Mitchell D. Bluhm and Associates, LLC has violated the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 a collection account was added to my report by an company known as XXXX XXXX XXXX, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.

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 2020-05-12
Company: STANDARD MORTGAGE CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To date I have contacted Standard Mortgage with this issue via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have called every day for the past two weeks and left 3 messages with XXXX XXXX. I have spoken with XXXX XXXX twice and XXXX XXXX. I was in touch with someone in the escrow department who put me on hold since I was in previous contact with XXXX, and was disconnected. Called back and left a message immediately after, with no return. I understand there is large call volume and a lot of changes with Covid 19, but this issue was taking place before everything started to shut down. 
Payments XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Im informed that my total debt was XXXX. I mailed XXXX XXXX which was not applied correctly, addressed and not fixed until XX/XX/XXXX. And not totally sure it's even fixed. 
My debt should not be a total of the 3 payments. The initial payment is SAVED in my escrow account all year and simply dispersed. The other two, totaling XXXX and the XXXX refund brings a negative escrow of XXXX. 
I was told my new payment until XXXX is XXXX on XX/XX/XXXX totaling in apx XXXX of shortage over the 7 months that my payment will be that amount. Where does that number come from? .... 
Made a normal XXXX payment that was not applied to my loan. Told I needed to send XXXX to complete the payment. I did, but it was not applied. My XXXX payment of XXXX was not applied either. None of my " payments '' since XXXX have been applied to principle or interest. 
I am in the process of selling this house. I was approved for a loan on another house that was contingent on the sale of mine and my payment on my credit depicts XXXX so after that was found over a week later i was declined. Wasted hit on my credit!!!!! 
AND I have been receiving collection calls! 
My credit has dropped 95 points. Sent certified mail. Contacted supervisor again today with no contact back, which is XXXX. The one who has not responded to multiple emails, messages and calls. Absolutely unacceptable. Covid is not an excuse.

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 2020-08-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I use a Citi branded Mastercard. I was charged a cash advance fee for using the XXXX service on XX/XX/XXXX. Citi claims this was due to Mastercard changing its terms and conditions. I never received notice of the change in terms and do not agree with this change in terms. Had I received this change in terms I would have objected to the change in terms. Mastercard along with the other card companies are using their dominant market position, and acting together an an anti-competitive method to limit their competition from XXXX and stifle the entrant of this new business.

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 2021-02-26
Company: Experian Information Solutions Inc.
State: MO
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:
Sent evidence to Experian concerning an account I had with XXXX in XXXX XXXX XXXX  showing 31 days late when in fact evidence I sent Experian shows the payment was not 30 days late. Experian refuses to correct the error by XXXX on my credit report.

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 2021-02-26
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase!!! On XX/XX/2020 around XXXX XXXX my phone service has been turned off and come to find out someone ported my phone number from XXXX XXXX XXXX to a XXXX  number in Ohio at a third-party store. Once they were able to do that they gain access to my Coinbase account and wiped it out. Changed all my passwords to emails, XXXX XXXX XXXX and other. I tried to contact Coinbase and havent been able to get access to my account since. We have communicated via email but Im sure it is with a automated system. I cant log back in and I wanted to know why it was so easy for someone to change my password without my my 12 word phrase. Or showing ID. I recently talk to my lawyer and he told me this was the best way to go about getting some info. I guess no one really knows the policies on cryptos yet, I was told Coinbase was regulate it and I may be able to get my cryptos back.

Company response to consumer: Closed with explanation