BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the message is from XXXX XXXX from Transworld services and is contacting me over a debt. They said to call XXXX XXXX XXXX did not have any written statements of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, Transunion shows Monthly, XXXX months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.

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 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX Capital One arbitrarily reported a balance of {$630.00} to the credit bureaus adversely impacting my credit score. The information reported is incorrect based on the following factors. 
Last and Previous Statement balance was {$0.00}. 
{$630.00} will not show as an amount due anywhere at any time. 
The report was made on XX/XX/XXXX although the statement cycle is the XXXX through the XXXX. 
On XX/XX/XXXX I called Capital One as my disputes with the credit bureaus did not result in the deletion of the incorrectly reported item as Capital One responded to the agencies that this information was correctly reported. I was informed that I needed to send written correspondence to Capital One in order to dispute the incorrectly reported item with them. 

On XX/XX/XXXX Capital One responded electronically ( although customers are not able to correspond with them any way other than writing a MAILING in a letter ) indicating that they will revise the incorrectly reported amount to another arbitrary amount of {$9.00}. How can Capital One not delete the incorrectly reported item, but revise it to another incorrect amount. The {$9.00} amount is likely based off of the XX/XX/XXXX statement that has NOTHING to do with the incorrectly reported amount on XX/XX/XXXX. I called again today XX/XX/XXXX and was told that I would need to write another letter to dispute the dispute results and try to explain in better detail. I chose instead to reach out to the CFPB as I have already done my due diligence and provided documentation to bring this error to Capital Ones as well as all three credit bureaus attention and provided visual aids on why the information was incorrect. 

Capital One is reporting random amounts instead of statement balances that may be a violation of Fair Credit Reporting as per Capital Ones call center rep they should only be reporting what is on the statement. What is to prevent this from happening again? Why do customers have to mail in correspondence, but they can respond electronically?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ss # xxx-xx-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX   and XXXX  XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

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 2022-11-20
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:
I tried to apply for a car they told me i had 20 hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection account that was settled and paid XXXX of 2020 should has reappeared after agreement was made and satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX CO XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo Financial National Bank keeps putting a negative remark on my credit reports that is incorrect, not authorized and they keep putting this statement on my credit file. 

This is copied directly from my credit report : This is on my WF/XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account status Closed Individual Remarks Dispute resolved ; consumer disagrees, account closed by consumer The individual remarks are being put on my credit file by this company when I have NEVER DISPUTED THIS ACCOUNT : The account is closed, the account was late due to sickness and loss of job but account is now handled by a debt management company and is current. I am not disputing this, I do not disagree but this company keeps putting these FALSE remarks on my credit files and I want them to be investigated. 

This is not the first time that any entity of Wells Fargo has been caught doing illegal things to consumers. I want this remark to be removed immediately and permanently and I do not want it to keep coming back on my file each month. The only remark should be " Account Closed by consumer '' All other remarks and dispute codes should be removed and stay removed. 

I will keep filing CFPB complaints each month that Wells Fargo keeps putting these lies on my credit files. I am sick of dealing with this and if you refuse to remove, if you refuse to initiate contact with me I will escalate this complaint to the FTC and the State Attorney Generals office and if I have to sue you in a court of law over you putting these false remarks on my file I will do so.. 

I have contacted them at WF/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX USA ( XXXX ) XXXX And they refuse to call me back or to comply with my request thus this complaint being filed.

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 2018-07-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a Navient student loan that I have been paying on since XX/XX/XXXX,  which started out as Sallie Mae. Through the years I have been paying on this loan without it my principal decreasing. Every year my monthly payments would increase. I would call to speak to a servicer and they would steer me towards the income-based loan repayment option. Still my monthly payments yearly would increase exponentially. Finally, in XXXX it got to the point even have doing the Income-based payments it was still too expensive for me to pay, so they directed me towards loan deferment. I did understand that my interested would still accrue, but did not know that the monthly interest rate changes. So now my loan is nearly back to were it started. All interactions were done by telephone but I do have all payments made towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Comerica
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Over {$2600.00} dollars of fraud charges were charged to my Direct Express card. Which is were i get my social security payments from. I filed a complaint with the company supplied them with all documents they asked for including a police report that was filled. I was told the case was closed they couldn't find that they were fraud charges. 

I called back and spoke with a manager and explained to him that I was in the ICU for the whole month of XXXX that I had no way to make these purchases. He said he would reopen the investigation and asked me to send him the paper work from the hospital showing i was in the ICU. Which I did. 

Now anytime I call and reference the SR number it directs me to a message saying they are busy at the moment try calling back.. This has been going on for months. I have faxed them asking for someone to call me and I have yet to speak with anyone. A police report was filled and investigated and they have issued a warrant for the person who stole the money. That's great but I need my money back. I live on a fixed income and this is a big chunk of money that was taken. The customer service with this company is very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
on XX/XX/XXXX I applied for a XXXX XXXX XXXX  card while at the airport after I saw the advertisement. I did not see an email acknowledgement so I continued on with my travel and assumed the application did not go through. On XX/XX/XXXX I tried to apply again for the same XXXX XXXX and this time I received an email stating they would get back to me on my application. I called when I did not receive a reply to my application after a few days. My Credit Report is clean and I subscribe to XXXX  for their services. It shows that Chase did check my credit on one occasion. I have a credit score over 800 with no credit issues. When I called I was told that my application was declined due to too many requests for credit or opened accounts with Chase. I tried to escalate my requests with Chase and at the same time explaining what had happened. I was transferred many times with everyone basically saying they were sorry and they couldn't help. All my calls were to off shore call taking agencies that at times were difficult to understand and they had issues understanding me. Chase relied on a report from XXXX  who I called and they said it was up to Chase and I should try and explain what happened. Again another off shore call taking company. No one attempted to resolve the issue or bring it to a conclusion. I wrote a letter to XXXX about the credit card service I received. I am concerned that Chase will leave this on my record with them which I know to be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I submitted a completed loan application through the PenFed website. I since then have not received any communication or Initial Disclosures from the lender. 

On XX/XX/2021 I made several calls to PenFed. None of them were successful in reaching an agent or employee of PenFed. The phone would route me to wrong departments and/or disconnect. This happened numerous times. 

On XX/XX/2021 I submitted a message on the penfed website using their " secure online messaging '' option for communication. Still no response. 

On XX/XX/2021 I made an additional attempt, calling penfed again. This time I got someone on the phpone, was in the wrong dept. but said he would transfer me to the mortgage dept. After 20 minutes on this call, it also disconnected. I made the agent on the call aware that previous call attempts had led to disconnecting the call. He took down my number and told me he would call me back if the call were to get disconnected. He never called back. 

Its been more than a weeks time, I have not received my initial disclosures, my credit was pulled, and I have made more than a reasonable number of attempts to connect with this lender, and get no response.

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 2019-02-01
Company: Collection Bureau of America Ltd.
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:
There is a collections on my credit report from CBA Collection bereau of America in the amount of {$290.00} reported XX/XX/2019. I wasn't me, my social security number was used by someone else. I have tried to contact them without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Waypoint Resource Group, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the debt directly with XXXX XXXX on XX/XX/2019. They stated they would delete it from my credit profile. This should be deleted from my credit file as soon as possible. Waypoint Resource group still shows that i am in collections Delete the WAYPOINT RESOURCE GROUP ( XXXX XXXX ) that is on all 3 credit bureaus. I would like it deleted from all 3 bureaus see payment receipt below : Hi XXXX, We've received your payment, thanks. 



Payment Amount : {$780.00} Payment Date : XX/XX/2019 Payment Method : Visa ending in XXXX Account Number : XXXX Make your life easier by setting up automatic payments using EasyPay. It's free, secure, and saves you time. 


ACTIVATE EASYPAY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Account information incorrect

Complaint:
i have 2 student loans for my 2 XXXX  Degrees i had in my reports that i do not have to start payments until XX/XX/2016.

In XX/XX/2016 i started receiving calls from XXXX XXXX and XXXX XXXX saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX  XXXX   would not remove these late payments and they continue hurting my credit

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 2019-09-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX  XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information.

Company response to consumer: Closed with explanation