BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-06-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regions bank took {$2000.00} out of my savings account for a secure loan of {$2000.00} I informed them to keep the {$2000.00} they took out of my savings account to pay off the secure loan in full and close the account they took my money but they are still trying to collect money from me bye sending me a bill still on this account which should have been closed.

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 2022-06-13
Company: JPMORGAN CHASE & CO.
State: IL
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:
Hello, I am a XXXX XXXX not in XXXX XXXX  and my computer was hacked by someone claiming to be from XXXX. I just noticed in my email that several complaints with you were filed by this hacker. I have not filed any complaints and would like them withdrawn. They are listed below and I have changed my password to your site XXXX XXXX XXXX Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with XXXX  the same day. On XX/XX/20, XXXX informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 months.

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 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had a credit card with capital one I have paid my card on time, in XX/XX/2015 I got held at XXXX point and lost over {$15000.00} worth of equipment, money and personal property. Including my mobile device! I had contacted capital one and alerted them of the incident however I lost my job and I told them to close my account Ill make my last payment I soon as I can. They didnt close the account and I have many late fees and and overdrafted my bank for over {$3000.00} and ruin my credit after that. 

I received multiple phone calls from a third party whom capital one has sold my account to and got my identity expose and lost my job due to that business calling my phone none stop and reported also on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Service date I'd XX/XX/19. Total balance is XXXX. HRRG is the company that keeps sending me letters. I have spoken to them letting them know this was a job related injury and I also spoke with the hospital on day of service letting them know this was a workman 's comp matter. I have called administration at the hospital. They told me they would send my ex employer the bill but instead they sent me the bill an now have collections sending me bills over and over. HRRG stated they couldn't do nothing about it

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 2021-06-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX, 2018 I sold my condo, OCWEN was the original mortgage holder and now it has transferred over to XXXX. Although my home was sold in 2018 the mortgage company never reported my payoff and closed account to the credit agencies. When ever there was a late payment they had no problem reporting late payments but because I was cover by a XXXX, I never added my home to the bankruptcy list of creditors because I was still paying OCWEN monthly up until I sold the condo. I never knew that it was not reported because I had no reason to check my credit until recently, in which I notice that OCWEN who is now PHH did not report. I sent several notifications to PHH notifying them that this may have been overlooked and if they could please correct. PHH responded that my account was paid in full and closed and they will not report to any credit agency but will provide a letter stating that I sold my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo continues to fail to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021.

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 2021-08-11
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am writing to complaint about CoreLogic Credco and XXXX  XXXX. I am currently in the process of shopping to buy a new home, and as such, recently submitted for a mortgage pre-approval letter through XXXX XXXX, who pulled my credit report from CoreLogic/XXXX XXXX. Though I have excellent credit scores across the three bureaus and am in the top percentiles, and have consistently had an extremely low balance on my accounts ( i.e., less than 5 % utilization ), I was characterized as having too high of an amount owed on my accounts, across the three bureaus on the credit score disclosure notice that CoreLogic sent me.

As such, I requested my credit reports from all three bureaus, and looked at my historical reports/scores, and can clearly see that this characterization is simply untrue. When I called CoreLogic, they said it was XXXX that interpreted my scores/credit report as such ; however, this is simply untrue. Upon conferring with XXXX XXXX, it was made clear that the interpretation of my scores on my credit score disclosure notice came from CoreLogic and XXXX XXXX. 
This is immensely upsetting as it has negatively impacted my credit evaluation and ability to borrow for my mortgage, even though I have maintained an absolutely stellar credit history for years now. I simply do not understand why I am being falsely categorized/characterized by CoreLogic and XXXX XXXX, when the reality is that my credit reports do not reflect this information of a high amount owed, etc. 

I greatly appreciate your work on our behalf. 

Thanks.

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 2022-06-13
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have contacted the original creditor to try clear this matter up they they reporting I owe them nothing and the account had been sold to a company that is not yours I have provided a copy of the identity theft report I filed 2 years ago about this debt that keep popping up on my credit if you do not remove this debt immediately from my consume report or I will be force to pursue legal actions for compensation do to false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld systems Inc sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Aldous & Associates, PLLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing this complaint against Aldous & Associates, a debt collection agency that is trying to collect an incorrect and unfair amount from me for a gym membership. On XX/XX/2023, I received a notice from Aldous & Associates stating that I owe {$200.00} for the gym membership. This amount is incorrect and does not reflect my agreement with XXXX. The actual amount is {$120.00}. I have proof of my agreement with XXXX, my actual owed amount on the XXXX app, and the notice from Aldous & Associates. I have tried to contact Aldous & Associates by phone several times to dispute this amount and request validation of the debt, but I have never been able to reach anyone. Their phone number always rings busy or goes to a full voicemail. This is unacceptable and unprofessional. It violates my rights under the Fair Debt Collection Practices Act and causes me undue stress and inconvenience. I request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action against Aldous & Associates. I also request that Aldous & Associates stop contacting me until they provide me with a written validation of the debt and correct the amount they are trying to collect from me. Please send all future mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Or contact me at XXXX / XXXX Thank you for your attention and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: PA
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:
After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Discover and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the accounts continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: John C. Heath, Attorney at Law, PLLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am doing my own disputes. When I contacted them, I told them I hsd sent in disputes for all companies. Nobody heard me, I think I was talking to a robot. They filed disputes again which mines were delayed but one went through that I. I. I. had disputed. I told them about the bankruptcy. Tols them I wasnt interested in XXXX. Still charged. Its been over 45 days and I have heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2020-10-30
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The company XXXX XXXX finance vehicle through Gm financial and they have been a constant pain to work with they have constantly repossess my vehicle. Maybe possess my car more than needed and Im constantly having to pay large amounts of money to return my vehicle back into my possession and its not fair to me or my family that we currently have a vehicle taken off without any notification that the vehicle was repossessed somewhere the company needs to be made to properly notify consumers that they will be taking a vehicle back into the custody the person that told me I could never do it on your door never even said anything at all just took off with a vehicle and it sounds like they had cross the vehicle in the back and hit it hard. And I didnt know that it was my vehicle being told I thought it was just a sweet street to come in to cleaning up the leaves off the street like they did last week here come to find out my vehicle got towed from a unknown area and theres no reason for it every time we did this I had to call the police and reported it stolen because it wasnt fair to me if they didnt give me five notice that they were going to be taking my vehicle back even though my vehicle was him lease was out XX/XX/XXXX ask you should I had enough time to settle my account with the dealership and would you and financials will be in dealer sales will sit down And the lines were busy and they never did answer the phone so now they had a vehicle back in the position and its still defective and Im trying to see if they can either replace all my money or place me in a different vehicle because theres some food in me that I had to constantly be in the service department for this vehicle all XXXX four years of rent in this vehicle or three years and is continuously defective it constantly has to have repairs I just spent {$400.00} on it before they roof assessed it also made a payment I actually close to {$800.00} on this vehicle so Im trying to trying to see if the dealership or GM financial can return all my money that I have paid in to the XXXX XXXX  XXXX because the car had a recall her and it was also defective also feel like they get over on me on the cost of towing and storage they took my vehicle to follow locations and I had to call for a ride to get my vehicle back in my position in the field would not return the vehicle back to me after I have paid all the money and I just I just want them to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is reporting incorrectly to XXXX and Experian a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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